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Trust the People that live on Trust - Geneva Financial Services. Auto Loan Refinancing for All Credit Types.

Geneva Auto Finance works diligently to provide our clients with comfortable payment plans for refinancing auto loans up to $150,000! Think you might not have the credit? We work with many lenders that may have the right option for you.

Learn more about Auto Refinance with Geneva Auto Finance


Top 5 reasons to refinance your auto loan with Geneva Auto Finance

With interest rates remaining so low, an auto refinance may have crossed your mind -- and it could be a good idea. Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan. If your current car loan interest rate is above 6 percent, you might want to investigate refinancing. Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees. But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:


1.  Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. Refinance rates are considered used-car loans and as such the rates usually are higher than new-car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.


2.  Your credit score has improved. If you had a few negatives on your credit report -- or had no history of credit -- when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18 percent or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. We recommend that consumers should check their credit scores before refinancing through the free www.AnnualCreditReport.com and should take the option to see your credit score.


3.  You didn't get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn't mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn't know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
  
4.  Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the term of the loan terms, thereby lowering the monthly payment.
 
5.  Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.


More about us...

Geneva Auto Finance is based in Southern California and is a multi-state auto refinance company. Our auto loan refinance brings together qualified borrowers and competitive lenders to create the best possible financing opportunity for each of our customers. Geneva Auto Refinance offers exceptional rate savings, while lowering your car payment.


Geneva Auto Finance not only provides customers with an average 5% interest rate reduction, but our customers also enjoy saving an average of $80/month on their car payment. We will assist you in finding the best rate, term and payment for refinancing your auto loan. Take advantage of our promotion offering up to 90 days until your next payment, and use that savings toward other expenses. Start Today!



Refinancing of an existing car loan No interest prepayment penalties Simple and quick Approval Process No fees!