# Better Credit Won’t Lower Your Car Loan Rate – Refinancing Will

- Source: Money Crashers
- Published: 2026-10-17T17:45:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/refinance-car-loan-better-credit/
- Canonical: https://groundlevelnews.com/story/better-credit-won-t-lower-your-car-loan-rate-refinancing-will-53d7ac/

A fixed rate doesn’t follow your score up. If you financed with fair credit or little credit history, steady on-time payments can lift your score into a better range while the loan keeps charging the old rate. Dealer financing gives... Source

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