Ready to refinance your car loan to the lowest possible rate? Our award-winning team can help
Our Best Rate
5.67
%*
P.A.
COMPARISON RATE
23 Apr 2026
Get approved today.
We fetch your
best rate!
Our experts make
life simple.
Lower your interest rate, reduce your payments and feel in control of your finances again
Get approved today. Drive away tomorrow!
We fetch your
best rate!
Our experts make
life simple.
One phone call. Every major lender. Best deal guaranteed.
Find out how much you can save with a 100% obligation-free refinancing discussion
If there were a way to refinance your car loan, escape high interest rates and pay down your loan faster, would you take it?
Great. Because that’s exactly what our award-winning team does. Book a free strategy call (it’s like a virtual coffee catch-up with no hard sell) to learn more.
OVER $550
MILLION
IN LOANS APPROVED
JENNY - FIDO FINANCE CUSTOMER
Refinance your car loan and save
Why refinance a car loan with Fido Finance? We’re glad you asked…
We make car loan refinancing simple
Our panel of 30+ lenders connects you with competitive rates and flexible repayment options – without hurting your credit score or filling your weekend with forms. Our process is quick and easy, with conditional approval available within minutes.
When refinancing your car loan with Fido Finance, you can expect:
- Loan amounts from $10,000
- 1 to 7-year loan terms available
- Weekly, fortnightly or monthly repayments
- Fixed interest rate (no repayment surprises)
- Can refinance new or used car loans (no vehicle age limit)
- Options available with no early repayment fees, early exit fees or monthly account keeping fees
Ready to refinance your car loan to the lowest possible rate?
When life changes, your car loan should too. At Fido Finance, our panel of 30+ lenders make it easy to find a competitive rate with done-for-you support that negotiates and locks in a better deal.
OVER $550
MILLION
IN LOANS APPROVED
Six simple steps to signing on the same day!
Supply a few details
Share your name, number
and email.
Chat to an expert
Quick 10 min chat to get to
know each other.
We fetch your best rate
We go out and work hard on
your behalf.
You approve your rate
Give us the thumbs up to go
ahead with your loan.
Sign your contract online
No messy paperwork or
scanning – just sign off online.
Lightning-fast approvals
Most of our clients get
a same-day response.
Get a quick decision with no paperwork
Ready to take control of your finances without endless paperwork or homework?
Reach out to check your borrowing power, get an indicative interest rate, or even apply online in a few simple steps.
OVER $550
MILLION
IN LOANS APPROVED
Refinancing is as easy as 1, 2, 3
1. Get connected
Speak to a Fido Finance expert to find out how to secure a better rate on your loan.
2. Get approved
We work with our panel of 30+ lenders to find the right rates and terms with approvals in as little as one day.
3. Get excited
Focus on the things that matter, knowing your loan works for you, and you’re in control of your money.
Trusted by 1000s of car owners for over 5 years
What sets us apart:
30+ trusted lending partners
100% Australian-based team
Over $550 million in loans approved
5.0/5 average customer rating on ProductReview.com.au!
Most approvals within 24 hours
Voted best in car loans four years running: 2023, 2024, 2025, 2026
Frequently asked questions
Do I need a good credit score?
Not necessarily. While a strong credit score usually unlocks the lowest rates, we work with 30+ lenders who specialise in different circumstances. Whether you’ve bought your first car and haven’t built up much of a credit profile or you’re working with a less-than-stellar credit score, we’ll help match you with a lender who looks beyond the number and understands your entire financial position.
How soon can I refinance a car loan?
Technically, you can refinance as soon as the ink is dry, but the sweet spot is usually after 6 to 12 months of consistent, on-time repayments. This gives you time to build a positive history on your credit file, which often qualifies you for a better rate than when you first picked up the keys.
What documents do I need to refinance?
We like to keep paperwork to a minimum, so you’ll usually only need proof of ID (like your driver’s licence), your two most recent payslips, and a current payout letter from your existing lender. We’ll also need the basics about the car, such as the registration and insurance details, so we can confirm its value.
Does refinancing hurt my credit score?
When you apply for a new loan, a hard enquiry is noted on your file, which can cause a small, temporary dip. However, we perform the heavy lifting to minimise unnecessary marks. In the long run, moving to a more affordable loan that you can easily manage is a massive win for your overall credit health.
What factors are important when refinancing?
Beyond the interest rate, it’s important to compare the exit fees of your current loan with the establishment fees of a new loan. We also check the loan-to-value ratio (LVR) to make sure the car is worth enough to secure a refinanced loan. The goal is a lower total cost of ownership overall, not just a smaller monthly bill that stretches out for more years.
How much can I save by refinancing my loan?
If your credit score has improved or market rates have shifted since you originally signed, you could save thousands over the life of your loan. Even a small drop in your rate can put a significant amount of cash back into your weekly budget, and that’s exactly what we’ll help you find.
Will I have to pay an early exit or establishment fee?
Some fixed-rate loans carry an early termination fee that can range from $150 to $800, depending on how early you’re leaving. New loans also typically have an establishment fee (around $250-$500). Part of our award-winning service is finding options where the interest savings outweigh the costs of switching.
What if I’m self-employed or only do contract work?
We have access to Low Doc loan options (as the name suggests, loans requiring fewer documents) specifically designed for contractors and ABN holders. As long as you’ve been trading for at least 6–12 months and can show a consistent ability to service the debt, we can usually find a lender for you.
Can I refinance a caravan, boat, jet ski, motorbike or personal loan?
Absolutely. If it’s got wheels, a hull, or if it’s just an unsecured personal loan that isn’t working for you anymore, our award-winning team can help. Reach out for support in folding your current debt into a new structure with better terms that align with your lifestyle.
Refinance your car loan in 24 hours
1,000+ 5-star reviews on Google.
Find out how much you can save. This won’t impact your credit score.
