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And cents. With auto refinance loans, consumers everywhere are literally saving thousands of dollars over their loan terms. Consider this example: You borrow $20,000 at a rate of 13. 4% over a period of 5 years, and then refinance after four months to a new, lower rate of 9. 1%. You save $2,350 over the remainder of the auto refinance loan term. If you financed your car at a dealership, you probably paid an interest surcharge called Rate Participation. Dealers who offer auto refinance loans will generally make money on the interest you're charged by marking up the rate lenders provide. Sometimes this rate hike can be 3% greater than what a bank would have quoted you otherwise. government loan help volkswagen loans fast loan open 24/7 acs school loan texas savings and loan