CNBC Select has named the best lenders for auto refinancing, based on rates, flexible credit, comparison shopping and other factors. For more on how we made our selections, see our methodology. Best auto refinance loans Best for low rates: PenFed Credit Union Best for bad credit: iLending Best for good credit: myAutoloan Best for no fees: Gravity Lending Best for longer terms: Capital One Best for comparison shopping: Autopay Who's this for?