⚠️ Embrace Auto isn't live yet.
We're working to meet all legal requirements in California and building strong partnerships with trusted credit unions and lenders. Our first priority is serving California drivers, with operations expected to launch by the end of 2025. Once we're established in California, we'll expand thoughtfully into additional markets. Every step we take is rooted in compliance and guided by our mission to make auto refinancing simple and affordable, helping you embrace the road ahead with confidence.
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Refinance Your Car Loan.
Save Thousands.

No SSN required++

Embrace Financial Freedom Today.

No impact to your credit score+
You may qualify to defer a payment^
No SSN required++

Embrace is a leader in car refinancing. Through elite partnerships, we offer consumers rates they can't find by themselves.

Embrace app on phone
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NewLender Match

Great news! We matched you with one of our lenders!

TERM
RATE
TOTAL
36 months
3.49% APR
$10,080
48 months
BEST3.99% APR
$13,440
72 months
4.25% APR
$20,160

Lowered your car loan by

$280 monthly

See How Much You Can Save

Embrace Customers save an average of $280 a month*

Instantly access competitive rates in minutes, with a dedicated team available to walk you through the process.

Never overpay your car loan again.

Get the lowest car loan—effortlessly.

In just 90 seconds, fill out one simple form, and Embrace will instantly connect you to the best auto loan rates from our network of lenders. No hassle, no stress—just the best deal, fast.

Embrace the Savings Calculator

Adjust the sliders below to calculate your potential savings

$
USD
$5,000$85,000
$25,000
Months
48 months84 months
48 months
%
0%25%
15%
%
0%25%
5.49%

Monthly Savings

$114.47

per month for 48 months

Total Savings

$5,495

over the life of your loan

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As Easy as 1, 2, 3!

Our streamlined process saves you thousands with minimal effort

1

Fill out a form in 90 seconds

Our simple application takes just 90 seconds to complete with minimal information.

2

Speak with your Loan Consultant

Your dedicated Loan Consultant will call to verify details and answer any questions.

3

Get your best offer

We find your best rate from our network of 100s of lenders and prepare all documents.

What are you waiting for?Get your rate now!