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.
without affecting credit
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.
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.
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
“Blinker’s rate was way, way, way, way, way, way better...”
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
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:
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