Auto Refinancing in Huntington, WV

Learn about refinancing your car in Huntington, WV 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 » Huntington, West Virginia 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.

Vehicle Refinancing in Huntington

Are you trying to refinance your motor vehicle in your city? We work with car lenders all around the country including in your city and can help you discover an automobile refinance deal near you.

We’re happy to team up with car, SUV, and truck owners who call Huntington, WV home and focus on offering auto refinance information for factory new and used car or truck owners in Cabell county. Whether you live in Huntington, in proximity to the area, nearby a neighboring city or town, in an unincorporated area, or somewhere else in Cabell county, check with our lending partners to see if refinancing your motor vehicle will help your personal financial situation.

Find Auto Refinancing in Huntington, West Virginia

The Huntington Auto Refi Process

The automobile refinancing procedure in your city can be pretty simple. To start, you simply have to use a couple of related personal documents. Take a look at the refinance step checklist below. You also have to satisfy particular qualifying criteria for both your car or truck and yourself before you can complete your new, refinanced automobile loan.

Car Refi Qualification

Your motor vehicle in Huntington needs to qualify for the refinancing lending institution’s terms. These terms can vary by lender and commonly include automobiles which are physically operated in Huntington, were made within the last 10 years old with clean titles, have less than 100k mileage, and have a positive loan-to-value (LTV) ratio. Get in touch with specific lenders servicing Huntington to learn more.

Individual Refi Qualification

Similarly to your vehicle qualification, you also have to qualify for refinancing by providing your personal information like income, co-signer, address, employer, and other details when refinancing in your city. Lenders have to have your address in Huntington, where you work, what amount of money you make, your credit score, information about other financial debt you might have, and other related details. They record this information for things like completing a hazard analysis as to how prone you are to return the refinanced vehicle loan.

Calculation Disclaimer

Huntington Auto Loan Refinance Calculator

Find an Auto Refi Lender in Huntington, West Virginia**

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 ability to refinance your automobile. Your rating is a pointed measurement of your capacity to pay back your debt. It is a number which can vary as low as 300 to as high as 850. A good rating is usually thought to be over about 650ish. You can similarly have industry-specific credit reports which are distinct from your overall credit report.

The specific credit score you need to have for an auto loan differs by lending institution. They take into account numerous things when identifying your loan viability consisting of both the industry-specific score, overall score, resources, liabilities, earnings, and other details. To get the most ideal car or truck loan interest rate, you might want to keep your credit score as high as possible and possibly use a co-borrower.

Loan providers may need a credit score of 700 or greater if you are looking for a loan on a new car or truck. If you are financing or refinancing a pre-owned or secondhand car, a credit score of over 600 may be enough.

About Credit Score Brackets in West Virginia

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 ones in the table above are based on lender requirements. The Experian consumer credit company provides statistics on industry specific auto financing and origination trends as part of their quarterly State of the Automotive Finance Market presentation. The following credit score categories were presented 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

Your credit history is a record of your liabilities and debts along with determining your capability to repay them. The lower your credit rating is between 300 to 850, the higher the borrowing threat to lenders.

Experian, TransUnion, and Equifax are the three significant credit reporting bureaus. These bureaus record and track your credit info. While the credit-related info is comparatively the same, your credit rating might differ by bureau. Lenders run inquiries called pulls through these bureaus to check your history if you apply for a loan.

The two kinds of pulls are called soft credit inquiries and hard credit inquiries. Soft pulls ascertain your preliminary suitableness. This report pulls your credit info to see your history. Soft pulls do not affect your credit history. Hard pulls are performed in the final approval stage of the financing process. This denotes you are actively searching for a new line of credit and will influence your credit rating. Check out a few of our other credit related resources to read more.

Vehicle Refi Steps in Huntington, WV

There are certain steps you can follow to start the vehicle refinance process in Huntington. You can attempt to refinance your vehicle loan by owning a car, truck, or other qualifying vehicle in Huntington, having a loan on that motor vehicle, meeting lending institution requirements, and providing your loan and personal details. While these general concepts are the basics of what is needed for refinancing, there may be additional steps as well. Check out the additional info listed below:

  1. Own a car in the area of Huntington.
  2. Have an automobile loan on your vehicle
  3. Meet defining vehicle-related requirements like a current design year and great car valuation
  4. Meet individual qualifying requirements such as your credit score and annual salary
  5. Make an application for vehicle refinancing with a new loan provider in Huntington, WV**
  6. As soon as your application is accepted, they can help you get a different loan which includes an updated annual percentage rate (APR) and term
  7. Complete the car refi process for the new lender to take over your old loan
  8. Make payments to your updated automobile loan lending institution
  9. Your refinanced auto loan is complete!

Top-Selling Vehicles in West Virginia


Ford F-150 best selling truck in Huntington, WV

Did you know the best selling automobiles in West Virginia are Ford F-Series trucks? This makes them well-liked in the area of Huntington. 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 satisfied with your monthly truck payments and rate of interest? Learn about Ford refinancing options in Huntington.

First Time Car Buyer Financing In Huntington

Is it your first time purchasing a car in your city? You might have funded your brand-new vehicle through the dealer, financial services department, bank, or regional credit union. Take advantage of any finance offerings when you buy the vehicle. Car dealers will sometimes offer buyer incentives like 0 percent apr car loans, 0 percent down car loans, cashback deals, and team member deals.

Later once you have owned the car for a while, you might be able to save money by refinancing your car and start saving money or pay your automobile loan off earlier by adjusting the payment term and rate of interest. This depends upon your personal financial goals and refinance choices presented by lending institutions.

If your plan is to start saving money every month, decreasing the interest rate can potentially save you money on your monthly payments. On the other hand if your goal is to work towards being debt free, shortening your loan payment term can increase your payments however make it possible for you to settle the loan much faster.

Huntington Auto Refinancing Rates and Trends in West Virginia

It’s never been a more suitable time to refinance your car, truck, SUV, or other automobile while living in Huntington. Historic vehicle valuation patterns can permit you to make use of increased equity in your vehicle and may well cause more suitable car loan terms and APR and interest rates. Use our car refinance calculator to see predicted savings and differences between your existing car or truck payment and approximated replacement refinanced payment equivalents.

About Auto Refinancing Pre-Approval in Huntington

Automobile refinancing pre-approval serves to help you discover and see prospective refi rates more efficiently. The pre-approval process suggests auto refi providers may have carried out actions like reviewing your credit report and info, identifying loan viability, and understanding who you are. This phase usually incorporates a soft credit pull which would not influence your credit report. These soft pulls are compared to the hard pulls which are finished in the course of the final steps in the refinancing procedure.

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 opportunities available for vehicle loan repayment assistance in Huntington. If you are having trouble paying off your vehicle loan or making payments consider the following options:

  • Refinance the loan on your automobile with the intention of saving money in mind
  • Sell your current car or truck and look for a more budget-friendly car with a cost effective month-to-month payment

Huntington Car Refinancing and Financial Goals

Everyone typically has specific financial goals for refinancing their motor vehicle. Your financial goals can be specific to planning for the future, retirement, or taking care of your children and family. They can take into account saving for crucial things, qualifying to purchase a house, and paying off debt.

  • Is your monthly vehicle payment or rate of interest excessive?
  • Does it seem like you have high-interest financial obligations holding you back?
  • Do you wish to be debt free and repay your automobile sooner?
  • Would saving more money allow you to pay the bills?
  • Are automobile values rising in Huntington resulting in more automobile equity?

If you answered yes to any of the above thoughts or believe that you need to better align your personal financial goals, consider learning more about refinancing your car and connecting with any of our lending partners to learn more. You may manage to save money. Use resources like our automobile refinance calculator, learn more about the advantages of car refinancing, and possibly save $100s by reducing your monthly auto loan payments.

Find West Virginia Serving Lenders for Refinancing**

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

Find Car Insurance as a West Virginia Driver

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

Love Your Car Like You Love Huntington, WV

Do you love where you live? If you love your area, ask yourself the following question. Do you love your vehicle loan as much as your area? Are you content with your loan’s month-to-month car payments and rate of interest or APR? If you are disappointed with any of the above car loan factors, there might be things you can do. Learn about options from refinance firms if you responded yes to any of these things.

Learn About Refinancing

West Virginia Driver and Car Information

Have you wondered how many people live around the area of Huntington or across the state of West Virginia? Have you considered how many licensed vehicle drivers there are on the streets in the area? The U.S. Census Bureau provides insight for these data points and other correlated driving statistics. We can use the reported census numbers to answer these questions. This information comes from Census Bureau Data for 2019-2020, but it is not backed or accredited by the Census Bureau. For instance, there were 4,026,151 licensed drivers in the state of West Virginia. There were also 2,109,108 cars registered. Using the 4,903,185 population, we can work out per capita ratios like 821.13 vehicle drivers and 430.15 registered automobiles per capita (1,000 people). Looking at both driver and vehicle numbers, there are 1.91 registered vehicle drivers per automobile.

The State of West Virginia 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: Huntington, WVLocale Time Zone : America/New_York
Locale County: CabellLocale FIPS: 54011
Locale Lat Long (Dec Deg): 38.4109, -82.4344Locale CSBA: Huntington-Ashland, WV-KY-OH
Data comes from Census Bureau Data for 2019-2020, but is not endorsed or certified by the Census Bureau.
Auto Refinancing Near Huntington, WV

Huntington, West Virginia Car Refinancing FAQs


Have questions about vehicle refinancing in Huntington, West Virginia? Here are some answers to commonly asked questions! It is important to do your homework and be aware of how deciding to refinance your vehicle changes your financial situation. These FAQs can help you understand what is related to refinancing your car, SUV, or truck in Huntington, WV.

Can I refinance my automobile in Huntington, West Virginia?

Yes, you can refinance your car or truck in Huntington if you deal with an auto refi lender who services your city.

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

Perhaps. The amount you might save while refinancing your automobile in Huntington depends on lots of factors including being able to be approved for a lower rate of interest and terms, your credit rating, outstanding liabilities, car details, where you live in Huntington and other details.

Is auto refinancing pre-approval ensured if I have a good credit rating and live in Huntington, WV?

No, refinancing is not guaranteed when refinancing in Huntington even if you have excellent credit. You have to send your individual info such as your address in Huntington for refinancing pre-approval and check loan options with specific lending institutions.

What are the best objectives to have when refinancing my car?

Your vehicle refinancing goals mostly depend on your circumstances. Refinancing can be situationally motivated and consist of wanting to adjust your automobile loan details.

How do I find out if refinancing my car in Huntington will benefit me?

You normally need to start the vehicle refinancing process to see comparable refinancing rates in Huntington. Up until then, you can use tools like our automobile refinance calculator to estimate savings or revised vehicle loan payment rates. Go to Auto Loan Refinance Calculator

Why are motor vehicle payments in Huntington so pricey?

Vehicle loan companies and banks determine automobile payments based upon a variety of variables including your credit score, available assets and resources, owed liabilities, motor vehicle physical location, and projected lending risk likelihood. Your physical location or address can also be taken into account. As an example, you might be extended various refinance offers depending if you are living near the city of Huntington compared to , , or .

What is required to obtain an auto loan in Huntington?

To apply for an automobile loan in Huntington, you don’t need to be a member of any specific bank, credit union, or other lending institution. You can quickly start the application. Remember you will need to qualify to finish the car loan application process.

What credit rating do I need to refinance my automobile loan in Huntington?

You can usually refinance your car loan if you have a credit rating of 680 or higher. You might be able to find vehicle loan refinance options with a credit score in the low 600s or even 500s depending on your loan-to-value ratio. Increasing your vehicle equity can improve refinancing opportunities.

How do I refinance my auto loan in Huntington?

You can refinance your car loan by owning a car, truck, or other qualifying vehicle in Huntington, having a loan on that car, meeting loan provider requirements, and producing your loan and individual info. Refinancing your truck, suv, or car can be a great method to decrease your car loan interest rate and the amount of money you pay towards month-to-month payments.

To complete the refinance process in Huntington, you will need state-provided identification like your valid driver’s license, an earnings verification record, car documents and pictures of the vehicle’s mileage and VIN number, and your existing car loan info. You’ll have to produce these things to the financial institution while in the loan application process.

The bank or credit union you select will review your personal and vehicle details, evaluate your credit rating, and let you know about the offered new loan offers. You might qualify for a lower rate of interest. If you have any concerns, you can normally talk to your loan officer or company rep to see if you can decrease your month-to-month car or truck payment.

Ready To Start The Refinance Process?

Start by connecting with lenders in West Virginia.**