Refinance

Lower your car payment without putting pants on

With rates as low as 3.39%*, Blinker can help you lower your car payment in just a few minutes – right from your phone or laptop. See how much you could save today without affecting your credit.

Get started

without affecting credit

Pre-qualify

See how much you could save, with no strings attached.

With Blinker, you can get pre-qualified without affecting your credit. That means you can apply and instantly see a new loan option, without any commitment.

Quicker than buying a bag of Funyuns at the Stop-N-Go
Book

Quicker than buying a bag of Funyuns at the Stop-N-Go

With our award-winning technology, there’s no time wasted sitting in a finance office. You can instantly book your new loan yourself – right on your phone or laptop.

Real humans (when you want them)

Hamra & Hoshi

Customer Support

Contact

Real humans (when you want them)

If you prefer a more human touch, our team of loan specialists is available to give you as much guidance as you’d like at any point in the process.

Talk to a Blinker Loan Specialist
844-854-9992

Watch Cathy’s Story

“Blinker’s rate was way, way, way, way, way, way better...”

Save $130 a month

You might be surprised how much you can save on your car loan. People who refinance with Blinker are currently saving an average of $130 per month.**

See how much you could save

without affecting your credit

FAQ

Questions about refinancing?

  • Refinancing may allow you to reduce your interest rate, lower your monthly payment or even receive cash back. You should always evaluate all factors such as interest rate, monthly payment and the total cost over the life of the loan when evaluating whether refinancing is right for you.

  • Yes. You can apply for refinancing with a co-applicant using the Blinker mobile app or on our website. Adding a co-applicant could add additional credit history and income to your pre-qualification, which could influence the terms of your loan approval.

  • Refinancing is available for vehicles 10 model years old and newer with less than 120K miles, and that meet our 17-point vehicle ownership and history check. A vehicle is not eligible if its history includes:

    1. Salvaged Title Brand
    2. Junked / Scrapped / Sold at auction as scrap
    3. Dismantled / Rebuilt / Reconstructed Title Brand
    4. Flood Title Brand
    5. Fire Damage
    6. Hail Damage Title Brand
    7. Manufacturer Buyback (Lemon)
    8. Insurance Total Loss
    9. Police Accident Report – Severe Damage that might not have been reported to the insurance company
    10. Crash Test Vehicle
    11. Airbag Deployment
    12. Frame Damage
    13. Reported as stolen
    14. Registered as a non-personal ownership type car
    15. Inactive Vin
    16. Multiple Registrations – multiple states within a short period of time
    17. Exported – with no subsequent import record
  • Blinker may collect a state-specific administrative fee to cover the costs associated with paying off your existing lienholder and filing your new lien.

  • Once the refinance is complete, Blinker will send the payoff through priority mail. Your lender will typically receive the check in 1–3 business days. From there, processing times may vary depending on your lender.

  • Blinker does not charge a pre-payment penalty for paying off your loan early.

  • No. When refinancing through Blinker, we are your lender and you will make monthly payments to Blinker.

  • If your vehicle qualifies and you have paid down a portion of your original balance, you may be eligible to receive cash back. The "cash back" funds are added to your loan amount and built into your monthly payment to be repaid over the term of your loan. Cash back is deposited into your bank account within 1-2 business days after completing your refinance.

*Advertised 3.39% APR is offered depending on the individual’s excellent and substantial credit, and key financing characteristics, including but not limited to the amount refinanced, repayment term, loan-to-value (LTV) ratio, and vehicle. Your actual APR will be based on your specific situation.

**Average savings figures derived from actual Blinker transactions between January 1, 2018 and July 31, 2018