How soon can you refinance an auto loan?
Some lenders require a minimum number of months since origination. Even when refinancing is “allowed,” the math may not work yet due to fees and limited APR improvement early on.
Common timing constraints
- Loan age minimums (often a few months)
- Payoff timing: payoff amounts can change daily
- Title/registration processing timelines (state dependent)
If you’re early in the loan
Consider using a conservative APR range and realistic fees, then check break-even. If the refinance only “works” by extending the term, it may be safer to wait.