Refinance my car

Want to keep your current car? Search refinance deals and you could lower your interest rate and reduce your monthly payments, or spread the cost of your balloon payment.

Please enter the current mileage of the car you're looking to refinance. Some lenders will use this information to determine whether they'll lend or not. If this isn't known you can provide your best estimate, but note that in doing so your results may be inaccurate

miles

If you're reaching the end of your current agreement, and looking to cover the cost of your balloon payment (sometimes called "final payment" or "GMFV") so you can keep the car, select "Spread the cost of my balloon payment" to search for personalised finance options.

Alternatively, if you're part way through an agreement select "Save money on my current agreement" to see if you could save money by switching to a new deal with a lower interest rate.

Please enter to the nearest thousand miles

Please enter your estimate for how many miles you will drive per year. This can affect your quote for certain types of finance called "Personal Contract Purchase" agreements where the mileage would form part of your agreement with the lender

miles

Don't worry if not, answer 'Not yet' and we'll help you estimate your settlement figure so you can search for a cheaper deal

Please enter your settlement figure to the nearest pound

£

What is a "settlement figure"? A settlement figure is the amount required to fully repay your current finance deal. It will include any fees and rebate on interest charges that may be due.

You'll need to ask your current car finance lender to provide your settlement figure before you can complete your switch. They can usually do this over the phone, via email (which takes approx. 2-3 days) or by post (which takes approx. 7 days). A settlement figure is valid for 28 days from the date you request it.