Lower Your Car Payment by Friday
GearUp Auto Funds connects you with competitive refinancing rates in minutes—not days. See if you qualify for a better rate and start saving on your auto loan today.
Check your rate in 60 seconds
Real People, Real Savings
Thousands of drivers have refinanced with GearUp Auto Funds and put extra money back in their pockets each month. Here are just a few of their stories.
“I honestly didn't think it would be this easy. The whole thing took maybe 15 minutes.”
David was paying 9.2% on a used SUV with three years left on his loan.
He refinanced through GearUp Auto Funds at 5.1% and now saves $147 every month.
“This was a game-changer for my family. We can finally breathe a little easier each month.”
Jennifer financed her sedan at the dealership and felt stuck with a high monthly payment.
After refinancing with GearUp Auto Funds, she reduced her payment by $183 and freed up room in her budget.
“I wish I'd known about this sooner. The savings are incredible.”
Marcus had improved his credit since buying his truck but didn't realize he could refinance.
GearUp Auto Funds helped him lock in a rate 4 points lower, saving over $5,000 in total interest.
How GearUp Auto Funds Works
Our streamlined process is designed to get you from application to approval faster than traditional lenders—with no surprises and no hassle.
Tell Us About Your Loan
Answer a few quick questions about your current car loan, vehicle, and financial goals. Our secure form takes just a couple of minutes to complete.
Review Your Offers
GearUp Auto Funds instantly matches you with competitive refinancing options. Compare rates, terms, and monthly payments side-by-side to find the best fit.
Finalize and Start Saving
Choose your offer, upload a few documents, and we'll handle the rest. Most customers are approved and on their way to lower payments within one business day.
I Started This Company Because I Knew There Had to Be a Better Way
Founder & CEO
Ten years ago, I refinanced my own car loan. The process was frustrating, opaque, and took weeks of back-and-forth with lenders who made me feel like I was asking for a favor. I knew the rates were out there—I just couldn't access them easily.
That experience stayed with me. I realized millions of Americans were overpaying on their auto loans simply because the refinancing process was too complicated or intimidating. So I built GearUp Auto Funds to change that.
Today, we've helped thousands of people save money on their car payments by making refinancing fast, transparent, and actually enjoyable. We believe everyone deserves access to better rates without the runaround, and that's exactly what we deliver every single day.
Your financial freedom shouldn't be complicated. At GearUp Auto Funds, we make it simple.
Ready to Lower Your Monthly Car Payment?
Join thousands of smart drivers who've refinanced with GearUp Auto Funds. Our simple application takes less than three minutes, and you'll see personalized rates without affecting your credit score.