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Fees to Look for When Choosing an Auto Loan

Finance | 06/08/2022 22:00

Doesn’t it seem like the price tag these days is never the real price tag? Everything has added fees and hidden costs, so it is almost a guarantee that everything will cost more than you expect. And auto loans are no exception, whether you're buying a new car or refinancing your vehicle. There are always extra fees that rear their head and end up costing you an arm and a leg. So we’re giving you a much needed heads-up on what to expect when you are choosing an auto loan.


Here are the fees that you should look for when deciding which auto loan is right for you.


What fees are charged on an auto loan?

Let’s discuss how auto loans are calculated, and then we can get into the added fees that come into play.


You’ve picked out your car and you are so excited–it’s exactly what you want, down to the color and trim level. Once you have picked out all your add-ons, you have the total cost of the car. That is what your loan will be based on. The total amount of the car minus any down payment is the starting point for your loan. And then (drumroll please), enter the fees.


The fees and taxes are added onto your principal (the tax is calculated based on the total cost of the car), which combined with your car loan APR, will determine your monthly payments. Here are some of the fees you can expect to pay for your car loan. These fees may also apply when you are refinancing your car, so if you choose to refinance, keep that in mind.


Taxes

Yes, you have to pay sales tax on your new car. And that can add up to a lot of money. On a $30,000 car in a state with 6% sales taxes, that’s an extra $1800 for which you are responsible. This added cost gets added into your principal when you finance. Obviously taxes are non negotiable, so they are an added cost you will have to pay. You will not need to repay taxes when you refinance your car loan.


Origination Fees

Origination fees are essentially the commission on a loan. They are also known as acquisition fees. They essentially pay for all of the paperwork that is required for financing. They are usually calculated as a percentage of the original loan, between 1% and 2% of the principal amount. On a $30,000 car with a 2% origination fee, it would be an extra $600 tacked onto your financing. 


While you might not be successful, it is definitely worth trying to negotiate on the origination fees. They are one area where the lender has some discretion, and it never hurts to ask. It might end up saving you a couple hundred dollars.


Registration Fees

And then there are the registration fees. You must pay a registration fee, title fee, and sometimes a plate transfer fee. These fees will depend largely on where you live, but you can expect them to run you somewhere around $150. These are non-negotiable fees.


What should I look for when choosing a car loan?

In addition to the fees that are charged, what else should you look for when choosing an auto loan? There are a number of factors that should come into play when deciding on car loan financing. Here are the top things to consider


The Interest Rates

When choosing a car loan, the car loan APR is perhaps the most important thing to consider. Securing a lower APR is what will save you money. The interest rate that you are offered will be based on a number of factors, such as:

  • Your credit score

  • Your payment history

  • Your income

  • Your debt-utilization ratio

  • Prevailing interest rates


If your credit score has increased since your initial financing, you may be eligible for a lower APR. If your income has increased, your debt utilization ratio has decreased, and market rates have decreased, you may also find that you are eligible for a lower car loan APR.


If your credit score has not improved, aim to increase your score before refinancing. Your credit score is the single most important factor when lenders are preparing their financing offers. Look to make consistent, on time payments and request higher credit limits. Reducing your credit utilization ratio will also help immensely. Committing to increasing your credit score will help you secure a lower rate and save you money in the long run. 


Your Cash Flow and the Payment Terms

When deciding on a car loan, you want to consider the payment periods as well. In general, lower APRs are tied to shorter repayment periods, while higher APRs are tied to longer repayment periods. The shorter payment period will mean that your monthly payments will be more expensive, while a longer payment period will mean that your monthly payments will be less expensive. You will have to figure out what works best for you. 


The Prepayment Penalties

Many car loans have prepayment penalties built into them. This is to dissuade borrowers from paying off early (after all, the earlier you pay the loan off, the less interest you will end up paying and the less money they will make). If you are thinking that refinancing might be an option in the future, this may factor into your decision. These prepayment penalties can vary widely and can be quite expensive.


The Customer Satisfaction Ratings

You should always pay attention to what other customers are saying. Are the lenders reliable and trustworthy? Are they responsive when there are issues? Check out websites like TrustPilot, Better Business Bureau, and Lending Tree to see what some of the most common complaints are. Top complaints for auto loan financers tend to include the following:

  • Communication issues in regards to forbearance (when you pause your payments temporarily)

  • Repayment options for forbearance

  • Delays from lender with regard to loan modification

  • Overcollection of funds for taxes and insurance

  • Confusion with account notices

  • Putting overpayments into an unallocated fund rather than applying them to the loan’s principal

Communication issues and a lack of transparency are usually at the top of the list when it comes to auto loan lenders. Be sure to consider this when making your decision.


Why should I refinance my existing auto loan?

If you already have a car loan, you may be wondering “should I refinance my car loan?” And the answer is: probably! But here’s how you can decide if a car loan refinance is right for you.


Car loan refinance is worthwhile if any of the following apply to you:

  • You got talked into dealer financing with your original loan (which have notoriously high car loan APRs)

  • Your credit score has improved since your initial financing

  • The market rates have dropped since you initially applied (And they probably have!)

  • You need some extra breathing room in your monthly budget

  • You want to add or remove a co-borrower to you loan


If any of those apply to you, car loan refinance may be a great option to save money and make your life a little easier. But if any of the following apply to you, it might not be the best time to refinance your car loan.

  • If your existing loan has heavy prepayment penalties

  • If you need a high credit score for another application

  • If your existing loan is less than six months old

  • If your existing loan has less than a year left

  • If your credit score has decreased


Car loan refinancing can save you a lot of money in the long run, and it’s a good idea to pursue it now before the car loan rates increase (which they are slated to do later this year). If car loan refinancing sounds like a good move for you, Auto Approve can help!

Auto Approve specializes in car loan refinance, so you know you are in good hands. We have relationships with lenders all over the country, which means we can get you the most competitive rates out there. Our experts can not only guide you through the process of refinancing, but can help you compare offers and complete the paperwork. Auto Approve will even handle the pesky paperwork for the DMV! So if you are thinking about car loan refinance, contact Auto Approve to get started! You can get a free quote online–all you have to do is answer a few questions and you will have a quote in minutes. 


And that’s what you need to know about auto loan fees and how you can decide which car loan offer is right for you.


Choosing an auto financing company is a big decision, because choosing the right one can save you a lot of money and a lot of stress. At Auto Approve, we specialize in refinancing so we know a thing or two about choosing the right offer. If you are looking to refinance, save yourself a lot of time and stress and let Auto Approve handle it! Get your free quote and get started today!

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More Resources

Refinancing A Vehicle in 2025: Your Guide

Spring is a great time to think about making changes and refreshing your life – from spring cleaning to getting outdoors more. But it can also be a great time to check in with your finances. Right now especially, money is tight for a lot of average folks in the U.S., thanks to rising grocery and gas prices. If you have a car that is financed, you may be wondering whether a car loan refinance could help you save some cash. Here’s how you can tell if you should refinance your car loan in 2025. What is car loan refinancing?Car loan refinancing is when you get a new car loan that will replace your existing loan. Refinancing a loan will help you to get a better interest rate, change your repayment period, and change who is or is not a cosigner on the loan.When you refinance your loan you will go through the same process as you did during your initial financing. You will research lenders, apply for a loan, and select the loan that has the best terms, conditions, and car loan interest rate. And that’s it! It’s incredibly simple, and there are companies out there like Auto Approve who can help you navigate the world of refinance and help you through the application process. When you select a loan that is right for you, your new lender will pay off your old loan directly and you will begin making payments to your new lender. And voila–your loan is refinanced and you can start saving money immediately. When should you refinance your car loan?There are a number of signs that the time is right to refinance your car loan. Make sure you know the terms and conditions of your existing loan before you decide whether to refinance, as it’ll help ensure that the new loan you get will be better.Your credit score has improved.The car loan APR that you are offered is very dependent on your credit score. In fact, your credit score is the biggest factor that you have control over when it comes to securing a loan. The rate that you are offered will be based on which credit tier you are in. Your credit score will fall into one the following categories:800 to 850: Excellent740 to 799: Very good670 to 739: Good580 to 669: Fair300 to 579: Poor In general, you will be offered a good car loan interest rate if your credit score is in the very good or excellent range. As your score decreases, the interest rate that you will be offered will increase. Your credit score is based on five key factors in your personal finance: your payment history, credit utilization, length of credit history, credit mix, and new credit accounts. There are many reasons why your credit may have increased since your initial financing:You paid off some debt.You have been making consistent on time payments.Your available credit increased.You had a negative event expire.And more.Any improvement to your credit score can help save you a lot of money in interest, especially if it bumps you into a different category. But in general, if there has been an increase to your credit score, it is a good idea to think about car loan refinancing.The market rates have decreased Or Your Original Rate Was Higher Than Necessary.The refinance rate that you will be offered will be based in part on the current market rates. If the current rates are lower than they were when you initially financed your car, you may be offered a lower car loan refinance rate.Many people find that, even if little has changed in terms of their credit or the market rates, they may be able to pay less if they financed initial with a car dealer. Dealerships frequently mark up the market rate, so the financing received through them might not reflect the best pricing available to you. That’s why it’s always a good idea to check whether you could lower your rate – even if you don’t decide to move to the next step and refinance.You want to change your repayment period.Another benefit of refinancing is that you can change your repayment period. There are two ways that this can help you: it can either save you money in the longterm or buy you some breathing room in your monthly finances. If you shorten your repayment period, you will be paying off your loan quicker and you will therefore spend less money overall on interest. This will make your monthly payments higher, but you will save money in the long run. On the other hand, if you are having trouble making your payments every month, lengthening your repayment period will allow you to reduce your monthly payments. Since you will be paying the loan off over a longer period, the principal will stretch out and easily cut your payment by hundreds per month. You will likely be paying more interest over the life of the loan, but this may be worth it if it can make your monthly budget work for you. In general, if something big is happening (like a wedding or a personal emergency) and you need a little breathing room, refinancing may be a help – as well as lowering your monthly rate or overall interest, refinancing often means a few months’ break from paying while you make the switch.You are in a bad relationship with your current lender.Sometimes we end up in bad relationships. Maybe you don’t like the customer service and have had a few too many bad interactions. Maybe they have hit you with fees and penalties that you do not find fair. Maybe they have been unresponsive and unhelpful. Whatever the reason is, refinancing your car loan can help you get out of a bad spot with your current lender.You want to add or remove a cosigner. If you want to add or remove a cosigner from your current loan, refinancing your loan is going to be your best option. What do I need to refinance my car loan?In order to refinance your loan, you will need to have the following documents: Proof of employment or income (a paycheck stub or tax return)Proof of car insurance.A valid driver’s license.Proof of residence. This is required if your driver’s license and credit report address don’t match. A utility bill is usually sufficient for this.  Your car’s registration.Your vehicle’s information: model, make, year and vehicle identification number (VIN)Your current lender’s information and loan information, including the payoff amount.A photo of your car’s odometer Some lenders may require more information or paperwork, but these are the standard documents that most lenders will want. Is 2025 a good time to refinance my car loan?So is now a good time for car loan refinance? It really depends on your situation. Market rates are not exceptionally low, but they have fallen a bit since their peak in 2023-24. But more importantly, global circumstances might not matter for your unique situation. The rates might be lower than when you originally financed, or you might be eligible for a better interest rate than you were previously.  The best thing you can do is to look at your finances and determine if you could benefit from car loan refinance. Additionally, the rapidly changing car tariff situation makes planning to purchase a new car a bit confusing right now, so those who have the option to hold onto a vehicle a little longer rather than worry about car prices might be wise to do so – for example, if you’re thinking about an auto lease buyback. That’s how you can know if car loan refinancing is right for you in 2025. Think a car refinance might be right for you? Get your free, no-commitment quote from Auto Approve today to find out how much money you could be saving!GET A QUOTE IN 60 SECONDS

Manage Your Money Better in 2025: 5 Things Financial Advisors Wish You'd Do

Want to know how you can improve your money management? If you’re looking to make smarter financial decisions this year, take a peek at these common suggestions from financial advisors. The reality is, as of 2022, the federal reserve reported that roughly half of Americans hadn’t saved for retirement at all and the combined household debt of all Americans rose to over $18 trillion in 2024.While reckless spending or avoiding thinking about money can feel good in the short term, taking control of your finances means a better quality of life and lower stress levels in the long run.Plus, better budgeting can mean more money in your pocket for the things that really matter. One way to spend smarter and save? Refinance your vehicle loan with Auto Approve and find a rate that works for you.Shore Up Your Personal Finances with These TipsEach of these suggestions comes from reliable online sources in the money management world. For personalized advice and to make sure you’re making the right moves for your unique situation, be sure to speak with a financial advisor directly.1. Save more for the futureUnless you happen to be one of the less than 9% of Americans with at least $500k saved for retirement – which is, by the way, estimated to cost about $1 million, depending on personal circumstances and spending habits – most financial professions would likely suggest you make a plan to save more as soon as possible.There are many different ways to save for emergencies and retirement – Health Savings Plans, 401Ks, Roth IRAs, simply buying bonds to grow your cash – and choosing the right one for you depends on your job. But however you do it, saving money in case something happens or to allow you to eventually retire is one of the most responsible financial actions you can take.2. Make and keep a budgetWhether you’re looking to actively save more or one of the roughly half of all Americans who’ve had to carry credit card debt within the last year, sitting down and making a budget can be a huge help.Many financial gurus recommend subscribing to the 50/30/20 rule – meaning 50% of your income goes to needs, 30% to wants, 20% to savings or paying down debt.For many people, simply taking a close look at their finances can be intimidating. However, the more you know what’s coming in and going out of your accounts, the better a handle you’ll have on your finances. Having more control over where you’re spending and when means you can choose when to splurge and on what so you get the most out of your money.3. Learn about investing – and then do it!First, you should know that every investment comes with a certain level of risk, and that you should only take the risk you’re comfortable with and can afford. That said, broadly speaking, investing – especially in relatively stable places like index funds and ETFs – is the easiest way to make sure the money you save keeps up with the market over time. To be clear, you should still keep an emergency cash fund on hand, plus enough for your expenses. But once you’ve done some saving, it’s financially wise to start thinking about putting some of those savings into a diverse portfolio of investments, whether that includes Certificates of Deposit with guaranteed interest, buying property, or entering the stock market. A good financial advisor will make sure you understand the risks of any choices you make and sound investing principles, but for now, you can read up on the basics.4. Manage debt thoughtfullyMost finance folks would agree that there is good debt and bad debt. Good debt typically includes debt that acts as an investment in your future – think student loans and mortgages. Bad debt includes things like payday loans and credit card debt – high interest borrowing that can get you caught in a debt cycle. These debts can drag you down financially without offering much benefit to you in the long term.Paying down a credit card every month and building your credit can be a good thing, but be careful about borrowing for discretionary purposes like vacations. If you’re someone who has struggled with debt, there are tons of resources available to help you figure out how to set yourself up for success in terms of paying down your debt and getting your finances back on track.5. Pay attention to your spendingAs well as keeping a broad budget, it’s always a good idea to actually audit your individual costs, especially if money is tight. You can save money at the grocery store, at the pump, and throughout your budget with a little bit of care and attention. Subscriptions and other recurring fees are one of the easiest places to get dinged by forgetting about a free trial or not noticing the creep up of a monthly bill. If you want to reduce your spending, you can look for forgotten subscriptions, see if there are ways to get your bill lowered, or cancel certain subscriptions until you need them.You may also be able to lower your monthly expenses by lowering your payments on leases and mortgages through refinancing. At Auto Approve, we work with you to find the best deal for you on your vehicle loan refinance. Then we do the paperwork for you, making it easy switch loan providers. Most people are overpaying on their auto loan, because car dealerships typically markup their rates. That means, if you got your loan through a dealership, you’re likely eligible to pay less per month with a lower rate.Get Your Finances In Tip-Top Shape With These Money Management TipsMoney matters don’t have to be difficult or intimidating. The best thing you can do for your financial health is to take a close look at what you’re earning, what you’re spending, and how you’re spending it. Once you’re intimately familiar with your personal finances, you can take charge and make sure your money is working for you, today and for years to come.Consider saving for your future, keeping a close eye on your budget, investing wisely, avoiding or paying down bad debt, and exercising discretion in your spending. With thoughtful application of these tips, guided by your financial advisor, your finances can be healthier than ever.Want to Lower your monthly car payment?Take charge of one monthly expense right now. Find out how much you could save on your car loan by refinancing with Auto Approve today. Getting a quote only takes a few minutes, costs nothing, and requires zero commitment.Get your free quote now.

The 10 Best Podcasts for Road Trips & Long Drives

What are the best podcasts to listen to on a road trip? Read on to find out!There are many things to consider when planning a road trip, but perhaps one of the most important things – short of where you’ll stay when you get where you’re going – is what you’ll listen to along the way. After all, even the most scenic drive can get monotonous after an hour or two if you don’t have something to listen to. And a great story or the perfect tunes can turn even a blah drive into a memorable adventure!For this list, we compiled some of the most recommended podcasts from around the interest, across a spectrum of genres, to help you find the perfect podcast for your taste and trip plan.The Top Podcasts For Road TripsGripping stories, hilarious jokes, fascinating science – if you want to know the best podcasts for road trips, check out this list of recommendations from a ton of different genres that’ll keep you engaged from mile 1 to your destination. Note: The podcasts on this list are generally targeted toward adult listeners and may contain strong language. For kid-friendly recommendations, scroll down!1. SerialSerial made a huge splash when it first came out, paving the way for a slew of true crime podcasts and a resurgence in true crime documentaries. If you missed it early on, you’ll see right away what made the show so popular, with gripping stories and well-put together journalism. Each season covers one nonfiction story. And if you were one of the early listeners, it might surprise you to know that the show has spun off into a whole group of podcasts under Serial Productions, including S-Town and The Coldest Case In Laramie, so if you’re not caught up, there’s plenty of audio content to fill a long drive.2. Against The RulesHosted by Michael Lewis – a journalist perhaps based known for his books Moneyball and The Big Short – Against the Rules looks at fairness and rules in American life through a range of topics season to season. Sports fans might be interested in his seasons focusing on referees, coaches, and sports gambling – all of which are well-researched and totally fascinating. Plus, since each season has roughly 8 episodes around a singular theme, a season can make for a perfect road trip binge.3. RevolutionsHistory buffs who haven’t yet delved into the world of Mike Duncan’s Revolutions are in for a treat. Now up to season 12, Revolutions features – as the name might suggest – a different historical revolution each season (with the exception of the most recent season, which is a fictional account of a sci-fi revolution in the future set on Mars!). The series starts with the English Civil Wars of the 1600s, then looks at the American, French, and Haitian revolutions, among others. Duncan has amassed a huge following for his riveting storytelling, and for road trips, it’s an especially great choice thanks to the bite-sized 30ish minute episodes, making it easy to break up over a long drive.4. Sold A StorySold A Story is one of the most recommended podcasts on internet chat forums, especially in the education space. A mix of journalism, science, and news, Sold a Story reported in 2022 on the low literacy rate among American elementary school students, and ended up, in part, inspiring a change in how we teach reading nationwide. If you’re interested in the science of how we learn and the ways education can be changed for the better or worse, it’s a great listen.5. OlogiesWhile the other podcasts so far focus on single stories over the course of a season, Ologies is made up of episodes that stand alone. Each episode of Ologies focuses on a different, highly specific scientific topic, ranging from cardiology to the sociology of reality TV to erethizonology  – that’s the study of porcupines.Each episode features an interview with an expert, conducted by host Alie Ward. And for road trippers, it’s an especially handy podcast because episodes range in length from around half an hour to over 2 hours, so you can decide how long you want to listen and find an episode that fits.We’re into auto loan refinance-ology.Your vehicle takes you where you need to go, but is it also taking money out of your pocket? Most people are overpaying on their auto loan, thanks to markups at dealerships. You may be eligible to pay less on your monthly payment and get a better rate. All it takes to find out is a few clicks – no commitment required.Get a free quote to see how much you could save.6. Ghost StoryThis 7-episode miniseries podcast combines family drama, the paranormal, and true crime as journalist Tristan Redman – who doesn’t believe in ghosts – investigates strange things that happened in his house when he was a teen. While supernatural elements come into play, Ghost Story is ultimately a story about a family facing their own ghosts. Warning that this podcast contains discussion of PTSD and domestic violence.7. Dolly Parton’s AmericaOn the other end of the emotional spectrum, Dolly Parton’s America is one the rare uplifting nonfiction narrative podcasts, and a complete delight. Fans of Dolly, the Dolly-curious, and the uninitiated will all find something to enjoy in this 9-episode “journey through the Dollyverse”  from WNYC, hosted by Jad Abumrad. Released in 2019, Dolly Parton’s America examines Parton’s life – with interviews with the woman herself – along with her impact, her work, and the people who love her.8. The Happiness LabThe Happiness Lab is inspired by the popular course taught at Yale by host and professor Dr. Laurie Santos. It looks at the science of what makes us happy and how to be happy and offers both insights into human behavior and actionable ideas that might just help you live happier. With 7 seasons and roughly 200 episodes, ranging generally from 30 minutes to an hour, you’re not likely to finish it in one road trip (unless that’s one long road trip!, but since it’s episodic rather than narrative, there’s no need to. Few podcasts in the self-help realm or otherwise offer as much potential impact as this fascinating and well-put-together series, so if you’re looking for a self-help option for your road trip, The Happiness Lab is really the only choice.9. 99% InvisibleIf you want a podcast that changes the way you see the world around you, 99% Invisible can do just that. It’s a podcast all about architecture, design, and the thought that goes into names, products, buildings, systems, and so much more. Essentially, it’s about the things we see and interact with every day but might not spend much time thinking about how they came to be. With roughly 700 episodes, the topics have ranged widely, from the invention of dynamite, to the history of Brutalist architecture, to how supply chains work (or don’t), to the naming of a Slovenian beetle. Suffice to say, if you’re interested in how the world is built, there’s something for everyone.10. The SporkfulLast but certainly not least, The Sporkful is a great podcast for cooks and food fans. It features a combination of stories on current events in the food world and interviews about food with chefs, food writers, and people interested in food, from celebrities to relative unknowns – like Weird Al, Chef Bobby Flay, or a Catholic priest who moonlights as a mixologist.Generally lighthearted and always informative, The Sporkful is hosted amiably by Dan Pashman and has around 150 episodes ready for your next long drive – whether that’s a Guy Fieri-inspired road trip or a pilgrimage to a local farm. It’s a great listen for anyone curious about the wide world of eating.Honorable MentionsListened to all the podcasts above already? Just not finding something that sings to you? Here are a few more high quality and well-reviewed podcasts to consider across a wide variety of genres.I Am Not A MonsterSomeone Knows Something Personally: Toy Soldier S-TownThe MothRadioLabRevisionist HistoryCautionary TalesHow Did This Get Made?Who Shat At My Wedding?My Dad Wrote A PornoSmartlessThe Screenwriting LifeEverything CookbooksThis American LifeWait Wait Don’t Tell MeStuff You Should KnowAnd as a bonus, if you just want a delightful half hour listen, check out Towel of Song from CBC’s The Doc Project.Kid-Friendly Road Trip Podcast RecommendationsLooking for some of the best podcasts for children on a road trip? Here are a few popular and delightful options:Story PiratesSmash Boom BestGreeking OutCircle RoundWow in the WorldAmerica’s Test Kitchen for KidsNoodle LoafABC Kids (Australia)And Those Are Some of The Best Podcast Options for Your Next Long DriveThese podcasts are so good, they could inspire another road trip just to listen to them all! Whether you want to learn something or be transported by a great story, there’s something here for everyone. Unless of course you’d rather a good audiobook for a long drive.Road trips can take a long time. Refinancing your auto loan doesn’t have to.When you choose to refinance your vehicle with Auto Approve, we help you find the right deal for your unique situation, then do the paperwork for you. It’s easy – all it takes is a few minutes of your time to help you pay less on your auto loan.Get your free quote now.
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*APR and Fees Disclosure: Auto Approve works to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 5.49% APR based on: 2019 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.
Auto Approve has an A+ rating with the BBB and is located at 5775 Wayzata Blvd, Suite 700 #3327 St. Louis Park, MN 55416-1233. Auto Approve works to find its customers the best terms and APR, which are based on factors like credit history, vehicle, and desired payment terms. Loan amounts, costs, and fees vary by state and lender; they generally include admin fees, doc fees, DMV, and title fees, depending on the lender and period of repayment. There is no fee to obtain a quote and all refinancing-related costs are included in the amount financed so there are no out-of-pocket costs! For more information, please go to AutoApprove.com.