Refinance-stage clarity for an auto loan you already have.
Autokima helps you evaluate whether refinancing is likely to improve your financial reality. It focuses on diagnosis and tradeoffs, not persuasion.
- A diagnosis of your current loan (remaining cost and interest).
- Scenario comparisons (APR/term ranges, not promises).
- A conservative readiness label with plain reasons.
It does not show lender ads, run credit checks, or push you toward an offer.
You can run the analysis without creating an account.
Start analysis →No signup. About 2 minutes.
Based on your inputs, we will show assumptions and confidence caveats with results.
- 1) Enter your current loan
Balance, APR, months remaining, and payment. Optional fields help with eligibility signals.
- 2) Read the diagnosis
See remaining cost and likely pain drivers. Assumptions and caveats are shown.
- 3) Model scenarios
Try different APR/term/fees combinations and compare break-even and total cost.
If fees are $900 and the new payment saves you $30 per month, break-even is about 30 months. If you think you might sell the car or pay off the loan before then, refinancing may not help.
Short explanations of the concepts that most often change the decision.