Auto Refinancing in Chino, CA

Learn about refinancing your car in Chino, CA including how to qualify, the steps you need to take to complete the refinance process, aligning financial goals, and refi FAQs.*

Have an auto loan on your Car, Truck, or SUV?

Check refinancing options and see if you can pre qualify with lenders. You may be able to save money on your auto loan.

Home » Auto Refinance Cities » Chino, California Auto Refinancing

The products and offers that appear on the website are from respective partners, companies, and third-party advertisers from which we receive compensation. This compensation may impact how and where products appear on this site including the order in which they appear. This site does not include all financial products or companies or all available product offers. Learn more about our partners and how we make money.

Automobile Refinancing in Chino

Are you considering refinancing your SUV, truck, or car in your city? We work with car lending institutions all around the country including in your city and can help you locate an automobile refinance deal near you.

We’re proud to partner with car owners who call Chino, CA home and focus on offering refi info for used and new automobile owners in San Bernardino county. Whether you live in Chino, around the area, close to a neighboring city or town, in an unincorporated area, or elsewhere in San Bernardino county, contact our lending partners to see if refinancing your car or truck will accommodate your personal financial situation.

Find Auto Refinancing in Chino, California

The Chino Auto Refi Process

The car refinancing procedure in your city can be quite uncomplicated. You also have to satisfy particular qualifying criteria for both your car and yourself before you can finish your newly refinanced car loan.

Car Refi Qualification

Your automobile in Chino has to qualify for the refinancing loan company’s terms. These terms can vary by lender and generally involve automobiles which are physically located in Chino, were made within the last 10 years old with clean titles, have lower than 100k mileage, and have a positive loan-to-value (LTV) ratio. Check with specific loan services servicing Chino for additional information.

Personal Refi Qualification

Similar to your motor vehicle qualification, you also need to get approved for refinancing by supplying your personal info like income, co-signer, address, employer, and details when refinancing in your city. Lenders have to have your address in Chino, where you work, the amount of money you make, your credit rating, info about other personal debt you might have, and other relevant details. They record this info for things like finishing a risk analysis as to how likely you are to pay back the refinanced car loan.

Calculation Disclaimer

Chino Auto Loan Refinance Calculator

Find an Auto Refi Lender in Chino, California**

Advertiser Disclosure
LenderNameInterest Rate*Credit Score*Apply

Caribou Auto Refinance Logo

Caribou - See Review

2.32%650 & UpApply Now

Auto Approve Auto Refinance Lender Logo

Auto Approve - See Review

2.25%580 & UpApply Now

RefiJet Auto Refinance Lender Logo

RefiJet - See Review2.49%500 & UpApply Now

RateGenius Auto Refinance Lender Logo

RateGenius - See Review2.99%500 & UpApply Now

AUTOPAY Auto Refinance Lender Logo

AUTOPAY - See Review1.99%560 & UpApply Now

Credit Rating Qualification

Your credit score plays a part in your capacity to refinance your automobile. Your rating is a measure of your ability to repay your debt. It is a number which can run as low as 300 to as high as 850. A great score is normally considered over about 650ish. You can also have industry-specific credit ratings which are distinct from your overall credit score.

The particular credit rating you need to have for a vehicle loan differs by lender. They take into account numerous things when determining your loan suitability consisting of both the industry-specific rating, regular score, assets, liabilities, earnings, and other details. To get the most beneficial vehicle loan rate of interest, you may want to keep your credit rating as high as possible and possibly apply with a co-borrower.

Lenders might need a credit score of 700 or higher if you are looking for a loan on a new vehicle. If you are financing or refinancing a previously owned or secondhand vehicle, a credit score of over 600 might be enough.

About Credit Score Brackets in California

Credit RatingPoints
Excellent780 to 850
Very Good720 to 779
Good680 to 719
Average580 to 679
Poor300 to 579
Credit rating brackets and point ranges come from various credit reporting sources including Experian, TransUnion and Equifax, but are not endorsed or certified by them.

Credit rating numbers like the examples in the table above are often lender specific. However, Experian also provides guidance on segmented auto financing and consumer credit trends as part of their quarterly State of the Automotive Finance Market presentation. The following credit score categories were outlined for the 2021 Q3 automotive credit vertical and lending channels.

Credit Score CategoryPoint Range
Super Prime781 to 850
Prime661 to 780
Nonprime601 to 660
Subprime501 to 600
Deep Subprime300 to 500
These credit rating categories and point ranges come from the Experian State of the Automotive Finance Market, but are not endorsed or certified by them.

About Credit History

Credit history is a really big topic. There is far too much info to talk about here, but we can cover some of the essential concepts. Your credit history is a record of your liabilities and financial obligations together with determining your potential to repay them. Lenders check with credit bureaus to measure the prospect of loaning you cash. The lower your credit score, the higher the financial hazard to lenders.

The three notable credit reporting bureaus are TransUnion, Experian, and Equifax. These bureaus record and track your credit info. While the credit-related details are somewhat similar, your credit score might vary by bureau. Lenders run inquiries called pulls versus your history when you obtain lending including automobile financing or refinancing.

The two types of credit checks are called hard pulls and soft pulls. Soft pulls help to decide your initial suitableness. This report pulls your credit information to see your history. Soft pulls do not affect your credit history. Hard pulls are completed in the final stages of the finance process. This denotes you are actively seeking out a new credit line and will impact your credit rating. Take a look at a few of our other credit related resources for more information.

Car Refinance Steps in Chino, CA

There are certain things you can do to start the car refinance process in Chino. You can probably refinance your vehicle loan by owning a car, truck, SUV, or other qualifying vehicle in Chino, having a loan on that motor vehicle, meeting lending institution requirements, and providing your loan and personal information. While these things are the basics, there may be extra steps as well. Check out the additional steps listed below:

  1. Own an automobile in the area of Chino.
  2. Have a car loan on your car
  3. Meet qualifying vehicle-related criteria like a recent year of manufacture and excellent automobile worth
  4. Meet personal qualifying requirements which include your credit report and income
  5. Request auto refinancing with a different loan provider in Chino, CA**
  6. Once approved, they can help you look for a replacement loan which includes an updated annual percentage rate (APR) or interest rate and repayment term
  7. Complete the vehicle refi process for the new loan provider to take control of your old loan
  8. Make auto payments to your new auto loan lending institution
  9. That is all – your auto loan is refinanced!

Best-Selling Vehicles in California


Ford F-150 best selling truck in Chino, CA

Did you know the best selling vehicles in California are Ford F-Series trucks? This makes them one of the most desireable vehicles in the area of Chino. These popular Ford trucks are the top-selling and most financed vehicles. Do you have a Ford F-Series yourself? Do you also have a truck loan on it? Are you okay with your monthly truck payments and APR? Find out about Ford refinancing opportunities in Chino.

New Car Buyer Financing In Chino

Is it your first time buying a motor vehicle in your area? That is exciting news! You may have funded your brand-new SUV, truck, or car from the dealer, financial services division, bank, or local credit union. Make sure you are maximizing any financing offerings at the time of your purchase. These vary by the vehicle dealership and can include zero percent financing for cars, zero-down financing, cash back offers, team member deals, and more.

After financing, you may be able to save money by refinancing your motor vehicle and start saving money or pay your auto loan off faster by adjusting the payment term and interest rate. This depends on your financial goals and refinance options offered by loan providers.

If your plan is to start saving money every month, lowering the interest rate can possibly save you money on your monthly payments. On the other hand if your objective is to work towards consolidating debt, reducing your loan payment term can increase your payments but allow you to pay off the loan faster.

Chino Auto Refinancing Rates and Trends in California

It has never been a better time to refinance your car, truck, SUV, or other motor vehicle while living in Chino. Historical vehicle price trends can permit you to benefit from increased equity in your automobile and can cause more desirable auto loan terms and APR and interest rates. Use our auto refinance calculator to see predicted cost savings between your current monthly auto payment and expected new refinanced payment rates.

About Auto Refinancing Pre-Approval in Chino

Auto refinancing pre-approval helps you select and see possible refi rates sooner. The pre-approval system suggests lenders may well have completed steps like going over your credit report and personal information, establishing loan viability, and understanding who you are. This phase typically includes a soft credit pull which will not affect your credit score. These soft pulls are compared to the hard pulls which are executed during the course of the final steps in the refinancing process.

Ready To Start The Refinance Process?


Start by thinking about your refinance goals, consider what you want to change about your auto loan, and connect with lenders.

About Loan Repayment Assistance

There are few avenues available for auto loan repayment support in Chino. If you are having difficulty settling your auto loan or making monthly payments consider the following choices:

  • Refinance the loan on your motor vehicle with the intention of saving money in mind
  • Sell your current automobile and find a more budget-friendly vehicle with a cost effective monthly payment

Chino Car Refinancing and Financial Goals

Everyone typically has specific personal financial goals for refinancing their truck, SUV, or car. These objectives are often related to your life, providing for your family, cost savings, and preparing for the longer term. They can consist of saving for critical things, qualifying to purchase a house, and paying down personal debt. Ask yourself the following things:

  • Is your regular monthly car payment or rate of interest too high?
  • Does it feel like you have high-interest financial obligations holding you back?
  • Do you prefer to be debt free and repay your vehicle earlier than the stated loan term?
  • Would saving more money help you pay the bills?
  • Are automobile prices rising in Chino leading to more vehicle equity?

If you responded yes to any of the above questions or think that you want to better align your financial goals, think about finding out more about refinancing your automobile and connecting with one of our lending partners to get more information. You may manage to save money. Use resources like our vehicle refinance calculator, find out about the benefits of auto refinancing, and possibly start saving $100s in savings on your month-to-month payments.

Find California Serving Lenders for Refinancing**

Refinance your vehicle with our California serving partner lenders. Learn how you can save money on your car payments.

Find Car Insurance as a California Driver

Learn about insurance coverage options as aCalifornia driver and vehicle owner. Bundling insurance may save money.

Love Your Car Like You Love Chino, CA

Lots of people love where they live. If you are a fan of your city or area, you know this fact to be accurate. However, ask yourself the following questions. Do you enjoy the car or truck you drive? If you have a car loan in your city, are you disappointed with your vehicle payments and rate of interest? Is your automobile insurance plan coverage not sufficiently caring for your motor vehicle? There may be things you can do and area serving refinance companies you can deal with if you responded yes to any of these questions.

Learn About Refinancing

California Interesting Driver and Vehicle Stats

Do you ever ask yourself how many people live near Chino or across the state of California? Do you ever ask yourself how many licensed drivers there are on the streets in the area? The U.S. Census Bureau offers insight around these data points and other relevant driving statistics. We can use the reported census numbers to discover the answers. This data is tracked by Census Bureau Data for 2019-2020, however it is not supported or accredited by the Census Bureau. For example, there were 4,026,151 licensed drivers in the state of California. There were also 2,109,108 automobiles registered. Using the 4,903,185 population, we can determine per capita ratios like 821.13 vehicle drivers and 430.15 registered cars per capita (1,000 people). Overall, there are 1.91 registered vehicle drivers per car.

The State of California by The Numbers

Estimated Population: 4,903,185Registered Automobiles: 2,109,108
Automobiles Per Capita: 430.15Licensed Drivers: 4,026,151
Drivers Per Capita: 821.13Drivers Per Automobile: 1.91
Locale & Regional Stats
Locale City/Area: Chino, CALocale Time Zone : America/Los_Angeles
Locale County: San BernardinoLocale FIPS: 06071
Locale Lat Long (Dec Deg): 33.9836, -117.6654Locale CSBA: Riverside-San Bernardino-Ontario, CA
Data comes from Census Bureau Data for 2019-2020, but is not endorsed or certified by the Census Bureau.
Auto Refinancing Near Chino, CA

Chino, California Motor Vehicle Refinancing FAQs


Looking for information about car refinancing in Chino, California? Discover answers to commonly asked questions! It is important to do your homework and be aware of how opting to refinance a vehicle impacts your financial situation. These FAQs can help you understand what is related to refinancing your truck, SUV, or car in Chino, CA.

Can I refinance my automobile in Chino, California?

Yes, you can refinance your car, truck, or SUV in Chino if you work with a lending institution who services your region.

Will refinancing my car or truck in Chino help to save me money?

Perhaps. The amount of money you might save while refinancing your automobile in Chino depends on many variables including having the ability to be approved for a lower APR or interest rate and terms, your credit report, debts, vehicle details, where you live in Chino and other variables.

Is vehicle refinancing pre-approval certain if I have a good credit score and reside in Chino, CA?

No, nothing is guaranteed when refinancing in Chino even if you have good credit. You need to provide your personal information such as your address in Chino for refinancing pre-approval and check loan alternatives with particular lenders.

What are ideal objectives to have when refinancing my automobile?

Your auto refinancing objectives mainly depend on your situation. They can be monetarily related like saving money on payments or getting out of financial debt. Your objectives can also be personally targeted like wanting to do what is optimal based on family vehicle needs. Refinancing your car can be situationally encouraged and include wishing to change your auto loan details.

How do I know if refinancing my automobile in Chino will help me?

You usually need to start the automobile refinancing process to see comparable refinancing rates in Chino. Until then, you can use tools like our vehicle refinance calculator to calculate cost savings or adjusted car loan payment rates. Go to Auto Loan Refinance Calculator

Why are motor vehicle payments in Chino so pricey?

Automobile loan lending institutions and banks calculate automobile payments based on a variety of things including your credit score, available assets and resources, outstanding liabilities, automobile storage location, and calculated lender risk likelihood. Your physical location or address can also be taken into account. For example, you may be extended different refinance deals depending if you are living near the city of Chino compared to , , or .

What do I need to have to apply for a vehicle loan in Chino?

To secure an automobile loan in Chino, you are not required to be a member of any specific bank, cooperative credit union, or other loan provider. You can easily initiate the application. Keep in mind you will be required to qualify to complete the car loan application process.

What credit score do I need to refinance my auto loan in Chino?

If you have a credit rating of 680 or better, you can usually refinance your vehicle loan. Your opportunity to refinance depends on the financial institution and your vehicle. You might obtain vehicle loan refinance opportunities with a credit score in the low 600s and even 500s depending on your loan-to-value ratio. Having higher equity built up in your car can make this possible.

How do I refinance my car loan in Chino?

You can refinance your vehicle loan by owning a car, SUV, truck, or other qualifying automobile in Chino, having a loan on that automobile, matching lender requirements, and providing your loan and personal details. Refinancing your suv, car, or truck can be a good way to reduce your vehicle loan interest rate and the amount of money you pay towards monthly payments.

To finish the refinance process in Chino, you will need state-provided documents like your valid driver’s license, an income confirmation document, car documents and pictures showing mileage and VIN number, and your existing vehicle loan info. You’ll have to furnish these things to the bank during the course of the loan application process.

The bank or cooperative credit union you select will review your personal and car information, examine your credit history, and let you know about the readily available new loan offers. You may get approved for a lower rate of interest. If you have any questions, you can usually speak to your loan officer or company agent to see if you can decrease your regular monthly car or truck payment.

Ready To Start The Refinance Process?

Start by connecting with lenders in California.**