{"id":33239,"date":"2026-11-09T11:57:26","date_gmt":"2026-11-09T11:57:26","guid":{"rendered":"https:\/\/eiendomsfinans.no\/refinance-a-car-loan\/"},"modified":"2026-11-12T14:33:42","modified_gmt":"2026-11-12T14:33:42","slug":"refinance-a-car-loan","status":"publish","type":"page","link":"https:\/\/eiendomsfinans.no\/en\/loan-en\/refinancing\/refinance-a-car-loan\/","title":{"rendered":"Refinance a car loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"33239\" class=\"elementor elementor-33239 elementor-33235\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-deb461f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"deb461f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6de9f3b3 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6de9f3b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4907c5b5 elementor-widget elementor-widget-image\" data-id=\"4907c5b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"355\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/11\/header_billaan_4-e1794226187539.png\" class=\"attachment-full size-full wp-image-33249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ae2098d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6ae2098d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-836f3c3 elementor-widget elementor-widget-shortcode\" data-id=\"836f3c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style>.elementor-31445 .elementor-element.elementor-element-582fb195{--display:flex;}<\/style>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"31445\" class=\"elementor elementor-31445 elementor-31442 elementor-31442\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-582fb195 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"582fb195\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1027c3d2 elementor-widget elementor-widget-shortcode\" data-id=\"1027c3d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><span><span><a href=\"https:\/\/eiendomsfinans.no\/en\/home-2\/\">Hjem<\/a><\/span><\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<span class=\"wpr-template-edit-btn\" data-permalink=\"https:\/\/eiendomsfinans.no\/en\/?elementor_library=breadcrumbs-for-pages\">Edit Template<\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4724fe22 elementor-widget elementor-widget-heading\" data-id=\"4724fe22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinance <br> car loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d6e716 elementor-widget elementor-widget-text-editor\" data-id=\"79d6e716\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">Here you&#8217;ll find answers to the most common questions about how to refinance or consolidate your car loan to save money.<br\/><br\/><\/strong><\/p><p>Is it worth it? Yes, it\u2019s worth it in the vast majority of cases if you can get a lower effective interest rate than you have today. <\/p> \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bb358bd elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3bb358bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-787e6e23 elementor-widget elementor-widget-image\" data-id=\"787e6e23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"355\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/11\/header_billaan_4-e1794226187539.png\" class=\"attachment-full size-full wp-image-33249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e414985 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2e414985\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d09028e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7d09028e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f24d8 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"a1f24d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"312\" height=\"222\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/image-29.png-3-5-e1786713109626.png\" class=\"attachment-large size-large wp-image-21260\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8884741 elementor-widget elementor-widget-heading\" data-id=\"8884741\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing certificate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc56855 elementor-widget elementor-widget-text-editor\" data-id=\"6bc56855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you&#8217;re thinking about replacing your current car or buying your first car, it&#8217;s a good idea to have a financing approval letter ready. That way, you can act quickly when you find the car you want <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f131b18 elementor-widget elementor-widget-heading\" data-id=\"3f131b18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/eiendomsfinans.no\/en\/apply-page\/\">Request proof of funding here \u2192<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-281652a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"281652a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39f3f007 elementor-widget elementor-widget-heading\" data-id=\"39f3f007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms and Conditions for Car Loan Refinancing:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb2983d elementor-widget elementor-widget-text-editor\" data-id=\"3fb2983d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>\u2192<\/strong> The loan amount or balance must be over 150,000, and you must own a home (no mortgage will be taken out on the home).<br\/><br\/><strong>\u2192 You <\/strong>cannot have had the loan for more than 4 years at the time of the move.<br\/><br\/><strong>\u2192 <\/strong>Current<strong>interest rate <\/strong>starting at 6.95% nominal; the rate depends on how much equity you used when you purchased the car.<br\/><br\/><strong>\u2192 Setup fee <\/strong>: 800; term fee: 95<br\/><br\/><strong>\u2192 The loan <\/strong>must be transferred on the same terms as the current loan (current borrowers and balance\u2014no additional borrowing)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71066e9e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"71066e9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-deba5f6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"deba5f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77032b0 elementor-widget elementor-widget-image\" data-id=\"77032b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"781\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/borge-quotebilde-1024x781.webp\" class=\"attachment-large size-large wp-image-22185\" alt=\"B\u00f8rge Finsaether quote\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/borge-quotebilde-1024x781.webp 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/borge-quotebilde-300x229.webp 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/borge-quotebilde-768x585.webp 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/borge-quotebilde.webp 1422w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c44998b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1c44998b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9252c elementor-widget elementor-widget-heading\" data-id=\"cf9252c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We can help you refinance your car loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2829c05b elementor-widget elementor-widget-text-editor\" data-id=\"2829c05b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Through our partnerships with several banks and credit institutions, <br \/>We have extensive knowledge of the solutions and products available.<br \/>Contact us to see if you can save money by transferring your car loan to a new bank. Our services are both free and non-binding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7287329d elementor-widget elementor-widget-heading\" data-id=\"7287329d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u2013 B\u00f8rge Fins\u00e6ther, Eiendomsfinans Harstad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-514c6ab e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"514c6ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e40b5a elementor-widget elementor-widget-heading\" data-id=\"5e40b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ \u2013 Frequently Asked Questions About Refinancing a Car Loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2a5237 elementor-widget elementor-widget-n-accordion\" data-id=\"d2a5237\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2200\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is it worth refinancing my car loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2200\" class=\"elementor-element elementor-element-b4185cf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b4185cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-009990d elementor-widget elementor-widget-text-editor\" data-id=\"009990d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">Yes, in the vast majority of cases, it\u2019s worth it if you can get a lower effective interest rate than the one you have today.<\/strong> Since cars depreciate quickly, even a small drop in interest rates can add up to significant savings over the life of the loan. If your personal finances have improved or interest rates in the market have fallen since you took out the loan, you should explore your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2201\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2201\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much can I save by refinancing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2201\" class=\"elementor-element elementor-element-19cde54 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"19cde54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25500c8 elementor-widget elementor-widget-text-editor\" data-id=\"25500c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIDRAA\" data-complete=\"true\" data-processed=\"true\">How much you save depends on three things: the size of the loan, how much you can lower the interest rate, and how long you have left to pay off the loan.<\/div><p><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" aria-owns=\"action-menu-parent-container\">For example, if you have <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">300,000 kroner<\/strong> left on your car loan and manage to lower the effective interest rate by <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">2%<\/strong>, you\u2019ll save about <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">6,000 kroner a year<\/strong> in interest costs alone at the start of the period.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2202\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2202\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I refinance my car loan or roll it into my mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2202\" class=\"elementor-element elementor-element-ecc8dd5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ecc8dd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94e4c6a elementor-widget elementor-widget-text-editor\" data-id=\"94e4c6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"XSq4R KI3fJ\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIEBAA\" data-complete=\"true\" data-processed=\"true\"><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIEBAB\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\"><strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">Transferring the car loan:<\/strong> You transfer the security interest to a new bank that offers a lower auto loan interest rate. The term usually remains the same.<\/span><\/li><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIEBAC\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\"><strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">Refinance into your mortgage:<\/strong> You increase your mortgage to pay off the car loan. This gives you the lowest interest rate on the market, but it requires that you have available equity in your home (within 85% of the home\u2019s value).<\/span><\/li><\/ul><div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIERAA\" data-complete=\"true\" data-processed=\"true\" aria-owns=\"action-menu-parent-container\"><em class=\"zhvwWe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">Important:<\/em> If you consolidate your car loan into your mortgage, you must increase your monthly mortgage payments by an amount equal to your old car loan payment. If you spread the car\u2019s value over 25\u201330 years on your mortgage, the car will end up being extremely expensive, even with a low interest rate.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2203\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2203\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I refinance a car loan that has a lien on the car? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2203\" class=\"elementor-element elementor-element-6f6289f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6f6289f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecfe419 elementor-widget elementor-widget-text-editor\" data-id=\"ecfe419\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIExAA\" data-complete=\"true\" data-processed=\"true\"><strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">Yes, you can transfer a loan secured by a lien on your car to a new bank<\/strong>. The new bank usually requires that:<\/div><ul class=\"XSq4R KI3fJ\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIFBAA\" data-complete=\"true\" data-processed=\"true\"><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIFBAB\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">The new loan must cover exactly what you have left on the old loan (you cannot borrow <em class=\"zhvwWe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">more<\/em> money using your car as collateral).<\/span><\/li><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIFBAB\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\"><\/span>You cannot have had the loan for more than 4 years at the time of the transfer.<\/li><li data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIFBAB\" data-complete=\"true\" data-sae=\"\">You must own a home (no mortgage is taken out on the home).<\/li><li data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIFBAB\" data-complete=\"true\" data-sae=\"\"><p class=\"p1\">The loan amount or balance must be over 150,000,-<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2204\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2204\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does it cost to refinance a car loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2204\" class=\"elementor-element elementor-element-1d5988e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1d5988e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06e0a9b elementor-widget elementor-widget-text-editor\" data-id=\"06e0a9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The application itself and the process are free. The new bank usually charges an <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">origination fee<\/strong> (often between 1,000 and 2,500 kroner) to set up the new loan and register the new mortgage. You should factor this fee into your calculations when determining whether refinancing is worthwhile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2205\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2205\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the actual process of transferring the loan work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2205\" class=\"elementor-element elementor-element-615d98c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"615d98c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86bf2e2 elementor-widget elementor-widget-text-editor\" data-id=\"86bf2e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIGBAA\" data-complete=\"true\" data-processed=\"true\">The process is very simple and is done online:<\/div><ol class=\"T9WCjf qkgVBf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\"><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIGRAB\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">You send us a non-binding application to refinance your car loan<\/span><\/li><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIGRAC\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">You provide information about the car (license plate number) and the remaining balance on your current loan.<\/span><\/li><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIGRAD\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">If your application is approved, you\u2019ll sign the documents digitally using BankID.<\/span><\/li><li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-hveid=\"CAAIGRAE\" data-complete=\"true\" data-sae=\"\"><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" aria-owns=\"action-menu-parent-container\">The new bank will contact your old bank and <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\">pay off the old loan directly<\/strong>. <\/span><\/li><\/ol> \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2206\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2206\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I refinance my car loan if I have a payment delinquency on my credit report? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2206\" class=\"elementor-element elementor-element-55d6e84 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"55d6e84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d62863d elementor-widget elementor-widget-text-editor\" data-id=\"d62863d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The vast majority of traditional banks will <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\">automatically reject your application<\/strong> if you have an active payment default or ongoing debt collection cases. The only realistic option for refinancing in such a situation is if you own your own home and can apply for a so-called <em class=\"zhvwWe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-complete=\"true\" data-processed=\"true\"><a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/refinancing\/restart-loan\/\"><span style=\"text-decoration: underline;\">\u201crestart loan\u201d<\/span><\/a><\/em>, in which the car loan is rolled into the mortgage through a specialized bank.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2207\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2207\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What should I do if the car has lost a lot of value? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2207\" class=\"elementor-element elementor-element-707eb0c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"707eb0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2676600 elementor-widget elementor-widget-text-editor\" data-id=\"2676600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the remaining balance on the loan is higher than the car\u2019s current market value on the used car market, the bank may refuse to transfer the loan with a full sales lien. In such cases, options may include making additional payments on the loan before transferring it, or considering a car loan without comprehensive insurance if the loan amount is low.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is it worth refinancing my car loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, in the vast majority of cases, it\\u2019s worth it if you can get a lower effective interest rate than the one you have today. Since cars depreciate quickly, even a small drop in interest rates can add up to significant savings over the life of the loan. If your personal finances have improved or interest rates in the market have fallen since you took out the loan, you should explore your options.\"}},{\"@type\":\"Question\",\"name\":\"How much can I save by refinancing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"How much you save depends on three things: the size of the loan, how much you can lower the interest rate, and how long you have left to pay off the loan.For example, if you have 300,000 kroner left on your car loan and manage to lower the effective interest rate by 2%, you\\u2019ll save about 6,000 kroner a year in interest costs alone at the start of the period.\"}},{\"@type\":\"Question\",\"name\":\"Should I refinance my car loan or roll it into my mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Transferring the car loan: You transfer the security interest to a new bank that offers a lower auto loan interest rate. The term usually remains the same.Refinance into your mortgage: You increase your mortgage to pay off the car loan. This gives you the lowest interest rate on the market, but it requires that you have available equity in your home (within 85% of the home\\u2019s value).Important: If you consolidate your car loan into your mortgage, you must increase your monthly mortgage payments by an amount equal to your old car loan payment. If you spread the car\\u2019s value over 25\\u201330 years on your mortgage, the car will end up being extremely expensive, even with a low interest rate.\"}},{\"@type\":\"Question\",\"name\":\"Can I refinance a car loan that has a lien on the car?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, you can transfer a loan secured by a lien on your car to a new bank. The new bank usually requires that:The new loan must cover exactly what you have left on the old loan (you cannot borrow more money using your car as collateral).You cannot have had the loan for more than 4 years at the time of the transfer.You must own a home (no mortgage is taken out on the home).The loan amount or balance must be over 150,000,-\"}},{\"@type\":\"Question\",\"name\":\"How much does it cost to refinance a car loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The application itself and the process are free. The new bank usually charges an origination fee (often between 1,000 and 2,500 kroner) to set up the new loan and register the new mortgage. You should factor this fee into your calculations when determining whether refinancing is worthwhile.\"}},{\"@type\":\"Question\",\"name\":\"How does the actual process of transferring the loan work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The process is very simple and is done online:You send us a non-binding application to refinance your car loanYou provide information about the car (license plate number) and the remaining balance on your current loan.If your application is approved, you\\u2019ll sign the documents digitally using BankID.The new bank will contact your old bank and pay off the old loan directly.\"}},{\"@type\":\"Question\",\"name\":\"Can I refinance my car loan if I have a payment delinquency on my credit report?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The vast majority of traditional banks will automatically reject your application if you have an active payment default or ongoing debt collection cases. The only realistic option for refinancing in such a situation is if you own your own home and can apply for a so-called \\u201crestart loan\\u201d, in which the car loan is rolled into the mortgage through a specialized bank.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if the car has lost a lot of value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If the remaining balance on the loan is higher than the car\\u2019s current market value on the used car market, the bank may refuse to transfer the loan with a full sales lien. In such cases, options may include making additional payments on the loan before transferring it, or considering a car loan without comprehensive insurance if the loan amount is low.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc0b216 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"cc0b216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eiendomsfinans.no\/en\/apply-page\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See how much you can save \u2013 Apply for refinancing here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70c2d349 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"70c2d349\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44a234a7 elementor-widget elementor-widget-heading\" data-id=\"44a234a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maybe you want to know too:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e793b67 img_hover_animation_img_no_effect readmore-btn-only-text title_position_default title_hover_border_default title-default grid-hover-overlay-type-always tpg-el-box-border-enable tpg-border-bottom-disable elementor-widget elementor-widget-tpg-grid-layout\" data-id=\"3e793b67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tpg-grid-layout.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper clearfix grid-layout1-main \"\n\t\t\t id=\"rt-tpg-container-686646082\"\n\t\t\t data-layout=\"grid-layout1\"\n\t\t\t data-grid-style=\"tpg-full-height\"\n\t\t\t data-sc-id=\"elementor\"\n\t\t\t data-el-settings=''\n\t\t\t data-el-query=''\n\t\t\t data-el-path=''\n\t\t>\n\t\t\t\t\t\t<div class='tpg-header-wrapper '>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div data-title=\"Loading ...\" class=\"rt-row rt-content-loader grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10118 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-help-to-clear-up-debt generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10118\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/Eiendomsfinans_slette_betalingsanmerkninger-300x150.jpeg\"\n\t\t\t\t\t\t\t class=\"rt-img-responsive\"\n\t\t\t\t\t\t\t width=\"300\"\n\t\t\t\t\t\t\t height=\"150\"\n\t\t\t\t\t\t\t alt=\"Help to clear up debt?\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t\t\t<div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">Help to clear up debt?<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tDo you need to collect expensive small loans, or do you want help deleting payment remarks? - we                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10158 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-motorhome generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10158\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10158\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/loan-for-motorhome-or-caravan\/\" class=\"tpg-post-link\" target=\"_self\">\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/bobil2_featured-300x150.jpeg\"\n\t\t\t\t\t\t\t class=\"rt-img-responsive\"\n\t\t\t\t\t\t\t width=\"300\"\n\t\t\t\t\t\t\t height=\"150\"\n\t\t\t\t\t\t\t alt=\"Man and woman enjoying themselves in a car. They have brought a dog who is sitting and looking out of the open tailgate.\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t\t\t<div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10158\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/loan-for-motorhome-or-caravan\/\" class=\"tpg-post-link\" target=\"_self\">Loans for motorhomes or caravans<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tWith a motorhome or caravan, you have complete freedom to travel wherever you want, whenever you                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10158\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/loan-for-motorhome-or-caravan\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10106 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-refinance-debt generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10106\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10106\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/refinance-debt\/\" class=\"tpg-post-link\" target=\"_self\">\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-300x131.png\"\n\t\t\t\t\t\t\t class=\"rt-img-responsive\"\n\t\t\t\t\t\t\t width=\"300\"\n\t\t\t\t\t\t\t height=\"131\"\n\t\t\t\t\t\t\t alt=\"Refinance debt\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t\t\t<div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10106\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/refinance-debt\/\" class=\"tpg-post-link\" target=\"_self\">Refinance debt<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tThere are many ways to refinance debt; read more here and contact us for help                        <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10106\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/refinance-debt\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dad0e41 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2dad0e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/eiendomsfinans.no\/articles\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all articles<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Refinance car loan Here you&#8217;ll find answers to the most common questions about how to refinance or consolidate your car loan to save money. Is it worth it? Yes, it\u2019s worth it in the vast majority of cases if you can get a lower effective interest rate than you have today. Financing certificate If you&#8217;re &#8230; <a title=\"Refinance debt\" class=\"read-more\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/refinance-debt\/\" aria-label=\"Read more about Refinance debt\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"categories":[179],"tags":[],"class_list":["post-33239","page","type-page","status-publish","hentry","category-refinancing","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Refinance a car loan? \u2014 Yes, it&#039;s possible | Eiendomsfinans can help you<\/title>\n<meta name=\"description\" content=\"Get free help to explore your options for refinancing your car loan. 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