September 2026
Top 10 refinanced cars
In early 2026, the refinancing landscape for sedans saw a notable shift. Monthly payments for sedans dropped to about $190, down from $195 in December. This change reflects a growing trend in the market, where sedans are becoming more affordable for buyers.
1. Chevrolet Silverado 1500
- Typical loan amount$39.2k
- Average APR reductionAvg. APR reduction4.04% APR
- Average monthly savingsAvg. monthly savings$162
| Avg refinance loan amountAvg refi loan amount | $39,234 |
|---|---|
| Avg original APRAvg orig APR | 10.96% |
| Avg refinance APRAvg refi APR | 6.92% |
| Avg APR point reduction | 4.04% |
| Original monthly paymentOrig monthly payment | $784 |
| New monthly payment | $622 |
| Avg monthly savingsAvg monthly pmt svgs | $162 |
2. Ford F-150
- Typical loan amount$38.5k
- Average APR reductionAvg. APR reduction2.67% APR
- Average monthly savingsAvg. monthly savings$199
| Avg refinance loan amountAvg refi loan amount | $38,497 |
|---|---|
| Avg original APRAvg orig APR | 9.52% |
| Avg refinance APRAvg refi APR | 6.85% |
| Avg APR point reduction | 2.67% |
| Original monthly paymentOrig monthly payment | $800 |
| New monthly payment | $600 |
| Avg monthly savingsAvg monthly pmt svgs | $199 |
3. Ram 1500
- Typical loan amount$37.8k
- Average APR reductionAvg. APR reduction3.68% APR
- Average monthly savingsAvg. monthly savings$168
| Avg refinance loan amountAvg refi loan amount | $37,837 |
|---|---|
| Avg original APRAvg orig APR | 10.90% |
| Avg refinance APRAvg refi APR | 7.19% |
| Avg APR point reduction | 3.68% |
| Original monthly paymentOrig monthly payment | $793 |
| New monthly payment | $626 |
| Avg monthly savingsAvg monthly pmt svgs | $168 |
4. Jeep Wrangler
- Typical loan amount$33.0k
- Average APR reductionAvg. APR reduction4.04% APR
- Average monthly savingsAvg. monthly savings$174
| Avg refinance loan amountAvg refi loan amount | $32,963 |
|---|---|
| Avg original APRAvg orig APR | 10.71% |
| Avg refinance APRAvg refi APR | 6.70% |
| Avg APR point reduction | 4.04% |
| Original monthly paymentOrig monthly payment | $707 |
| New monthly payment | $533 |
| Avg monthly savingsAvg monthly pmt svgs | $174 |
5. Toyota Camry
- Typical loan amount$25.3k
- Average APR reductionAvg. APR reduction4.28% APR
- Average monthly savingsAvg. monthly savings$174
| Avg refinance loan amountAvg refi loan amount | $25,311 |
|---|---|
| Avg original APRAvg orig APR | 11.65% |
| Avg refinance APRAvg refi APR | 7.38% |
| Avg APR point reduction | 4.28% |
| Original monthly paymentOrig monthly payment | $590 |
| New monthly payment | $416 |
| Avg monthly savingsAvg monthly pmt svgs | $174 |
6. Toyota RAV4
- Typical loan amount$27.1k
- Average APR reductionAvg. APR reduction3.97% APR
- Average monthly savingsAvg. monthly savings$155
| Avg refinance loan amountAvg refi loan amount | $27,132 |
|---|---|
| Avg original APRAvg orig APR | 10.49% |
| Avg refinance APRAvg refi APR | 6.52% |
| Avg APR point reduction | 3.97% |
| Original monthly paymentOrig monthly payment | $614 |
| New monthly payment | $460 |
| Avg monthly savingsAvg monthly pmt svgs | $155 |
7. Toyota Tacoma
- Typical loan amount$33.0k
- Average APR reductionAvg. APR reduction4.44% APR
- Average monthly savingsAvg. monthly savings$191
| Avg refinance loan amountAvg refi loan amount | $33,037 |
|---|---|
| Avg original APRAvg orig APR | 11.45% |
| Avg refinance APRAvg refi APR | 7.04% |
| Avg APR point reduction | 4.44% |
| Original monthly paymentOrig monthly payment | $731 |
| New monthly payment | $537 |
| Avg monthly savingsAvg monthly pmt svgs | $191 |
8. Tesla Model 3
- Typical loan amount$27.4k
- Average APR reductionAvg. APR reduction5.12% APR
- Average monthly savingsAvg. monthly savings$171
| Avg refinance loan amountAvg refi loan amount | $27,402 |
|---|---|
| Avg original APRAvg orig APR | 12.22% |
| Avg refinance APRAvg refi APR | 7.11% |
| Avg APR point reduction | 5.12% |
| Original monthly paymentOrig monthly payment | $612 |
| New monthly payment | $442 |
| Avg monthly savingsAvg monthly pmt svgs | $171 |
9. GMC Sierra 1500
- Typical loan amount$46.1k
- Average APR reductionAvg. APR reduction3.16% APR
- Average monthly savingsAvg. monthly savings$200
| Avg refinance loan amountAvg refi loan amount | $46,126 |
|---|---|
| Avg original APRAvg orig APR | 9.88% |
| Avg refinance APRAvg refi APR | 6.73% |
| Avg APR point reduction | 3.16% |
| Original monthly paymentOrig monthly payment | $915 |
| New monthly payment | $714 |
| Avg monthly savingsAvg monthly pmt svgs | $200 |
10. Honda Civic
- Typical loan amount$26.7k
- Average APR reductionAvg. APR reduction5.04% APR
- Average monthly savingsAvg. monthly savings$135
| Avg refinance loan amountAvg refi loan amount | $26,744 |
|---|---|
| Avg original APRAvg orig APR | 11.73% |
| Avg refinance APRAvg refi APR | 6.69% |
| Avg APR point reduction | 5.04% |
| Original monthly paymentOrig monthly payment | $571 |
| New monthly payment | $436 |
| Avg monthly savingsAvg monthly pmt svgs | $135 |
