Auto refinance companies in the United States:Which are most popular?

Name: Auto refinance companies in the United States: Which are searched most?
Creator: Brandwave
License: https://creativecommons.org/licenses/by/4.0/

In October 2026, Navy Federal Credit Union was the most searched auto refinance company in the United States, accounting for 24.5% of all searches among the eight companies tracked by the Brandwave Brand Demand Index. When we checked with ChatGPT and Google AI Overviews, PenFed Credit Union showed up in every answer. PenFed Credit Union was recommended most often, coming first in two out of four responses that gave a list.

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Top auto refinance companies in ChatGPT and Google AI Overviews

In Brandwave's three ChatGPT questions and two Google AI Overviews, PenFed Credit Union appeared every time. PenFed Credit Union was recommended most often, coming first in two out of four answers that gave a list. Caribou was second, and Navy Federal Credit Union was third. RateGenius, which ranked fifth in searches, was not mentioned at all.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

How many AI answers named each brand
Brand	ChatGPT	Google	Answers that named it
PenFed Credit Union	Named in 3 of 3 ChatGPT answers	Named in 2 of 2 Google AI Overviews	5 of 5
Caribou	Named in 3 of 3 ChatGPT answers	Named in 0 of 2 Google AI Overviews	3 of 5
myAutoloan	Named in 3 of 3 ChatGPT answers	Named in 0 of 2 Google AI Overviews	3 of 5
Navy Federal Credit Union	Named in 1 of 3 ChatGPT answers	Named in 1 of 2 Google AI Overviews	2 of 5
Gravity Lending	Named in 1 of 3 ChatGPT answers	Named in 1 of 2 Google AI Overviews	2 of 5
Autopay	Named in 0 of 3 ChatGPT answers	Named in 1 of 2 Google AI Overviews	1 of 5
RateGenius	Named in 0 of 3 ChatGPT answers	Named in 0 of 2 Google AI Overviews	0 of 5
iLending	Named in 0 of 3 ChatGPT answers	Named in 0 of 2 Google AI Overviews	0 of 5

PenFed Credit Union5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Caribou3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
myAutoloan3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
Navy Federal Credit Union2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Gravity Lending2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Autopay1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
RateGenius0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
iLending0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers

See every answer about auto refinance companies

5 answers

Asked ChatGPT
“Where's the best place to refinance my car loan?”
Asked ChatGPT
“Which companies offer the lowest auto refinance rates?”
Asked ChatGPT
“Is it worth refinancing my car, and who should I use?”
Searched Google, AI Overview
“auto refinance”
1. 1PenFed Credit Union
Searched Google, AI Overview
“best auto refinance”

Not named in any answer:

Brands are shown in the order each answer named them. The survey took place in United States on October 27, 2026.

Which auto refinance companies do people search for most?

This chart shows how often people search Google for each auto refinance company by name. Each line represents a brand's share of searches for all eight auto refinance companies we track, month by month, from searches in United States.

Share of searches among auto refinance companies in the United States, by month

Month	Navy Federal Credit Union	Caribou	Gravity Lending	Autopay	RateGenius	iLending	myAutoloan	PenFed Credit Union
Nov 2025	24.3%	13.2%	19.9%	10.7%	16.2%	8.8%	3.2%	3.7%
Dec 2025	24.9%	16.6%	16.6%	7.4%	16.6%	8.9%	3.1%	5.8%
Jan 2026	25.8%	11.5%	17.2%	9.4%	17.2%	9.4%	3.4%	6.3%
Feb 2026	28%	10.2%	18.6%	8.2%	18.6%	8.2%	3.7%	4.5%
Mar 2026	28.9%	12.9%	19.3%	6.9%	15.8%	8.6%	3.1%	4.5%
Apr 2026	22.1%	12.1%	14.8%	6.5%	12.1%	8.1%	2.2%	22.1%
May 2026	21.6%	9.6%	14.4%	6.3%	11.8%	7.8%	2.2%	26.4%
Jun 2026	28.1%	12.5%	18.8%	10.2%	12.5%	8.2%	2.8%	6.8%
Jul 2026	33.6%	10%	18.3%	12.2%	12.2%	8.1%	2.8%	2.8%
Aug 2026	21.1%	14.1%	21.1%	14.1%	14.1%	9.3%	3.2%	3.2%
Sep 2026	24.3%	16.2%	19.8%	13.2%	10.8%	8.7%	3.9%	3%
Oct 2026	24.5%	19.9%	16.3%	13.3%	10.9%	7.3%	4.8%	3%

Rank	Brand	Share of searches	Estimated monthly branded searches	vs prior month	Share change
1, held 1st	Navy Federal Credit Union	24.5%	8.1K	0%	+0.1 points
2, moved from 3rd to 2nd	Caribou	19.9%	6.6K	+22.2%	+3.7 pointsmoved from 3rd to 2nd
3, moved from 2nd to 3rd	Gravity Lending	16.3%	5.4K	-18.2%	-3.5 pointsmoved from 2nd to 3rd
4, held 4th	Autopay	13.3%	4.4K	0%	+0.1 points
5, held 5th	RateGenius	10.9%	3.6K	0%	+0.1 points
6, held 6th	iLending	7.3%	2.4K	-17.2%	-1.5 points
7, held 7th	myAutoloan	4.8%	1.6K	+23.1%	+0.9 points
8, held 8th	PenFed Credit Union	3%	1K	0%	0 points

1.Navy Federal Credit Union
24.5%
Held 1st. 8.1K estimated branded searches, 0% vs prior month. Share +0.1 points.
2.Caribou
19.9%
Moved from 3rd to 2nd. 6.6K estimated branded searches, +22.2% vs prior month. Share +3.7 points.
3.Gravity Lending
16.3%
Moved from 2nd to 3rd. 5.4K estimated branded searches, -18.2% vs prior month. Share -3.5 points.
4.Autopay
13.3%
Held 4th. 4.4K estimated branded searches, 0% vs prior month. Share +0.1 points.
5.RateGenius
10.9%
Held 5th. 3.6K estimated branded searches, 0% vs prior month. Share +0.1 points.
6.iLending
7.3%
Held 6th. 2.4K estimated branded searches, -17.2% vs prior month. Share -1.5 points.
7.myAutoloan
4.8%
Held 7th. 1.6K estimated branded searches, +23.1% vs prior month. Share +0.9 points.
8.PenFed Credit Union
3%
Held 8th. 1K estimated branded searches, 0% vs prior month. Share 0 points.

Navy Federal Credit Union sells other things too, so only its searches that name this product count here, like “navy federal auto refinance”.

Which brand is most popular in search among auto refinance companies in the United States?

8 brands

In October 2026, Navy Federal Credit Union was the most searched among auto refinance companies in the United States, with an estimated 8.1K branded searches, 24.5% of all searches for the eight tracked by the Brandwave Brand Demand Index. Caribou is in 2nd place, 4.5 percentage points behind at 19.9%.

United States auto refinance companies, last 12 months ending October 2026
Brand	Share of searches	Peak	Low	Rank
Navy Federal Credit Union	24.3% → 24.5%	33.6%Jul 2026	21.1%Aug 2026	1st
Caribou	13.2% → 19.9%	19.9%Oct 2026	9.6%May 2026	4th → 2nd
Gravity Lending	19.9% → 16.3%	21.1%Aug 2026	14.4%May 2026	2nd → 3rd
Autopay	10.7% → 13.3%	14.1%Aug 2026	6.3%May 2026	5th → 4th
RateGenius	16.2% → 10.9%	18.6%Feb 2026	10.8%Sep 2026	3rd → 5th
iLending	8.8% → 7.3%	9.4%Jan 2026	7.3%Oct 2026	6th
myAutoloan	3.2% → 4.8%	4.8%Oct 2026	2.2%May 2026	8th → 7th
PenFed Credit Union	3.7% → 3%	26.4%May 2026	2.8%Jul 2026	7th → 8th

Each finding as a sentence

Across the 12 months ending October 2026, Caribou’s share of searches among auto refinance companies in the United States increased from 13.2% to 19.9%.
Across the 12 months ending October 2026, Gravity Lending’s share of searches among auto refinance companies in the United States decreased from 19.9% to 16.3%.
Across the 12 months ending October 2026, Autopay’s share of searches among auto refinance companies in the United States increased from 10.7% to 13.3%.
Across the 12 months ending October 2026, RateGenius’ share of searches among auto refinance companies in the United States decreased from 16.2% to 10.9%.
Across the 12 months ending October 2026, iLending’s share of searches among auto refinance companies in the United States decreased from 8.8% to 7.3%.
Across the 12 months ending October 2026, myAutoloan’s share of searches among auto refinance companies in the United States increased from 3.2% to 4.8%.
Across the 12 months ending October 2026, PenFed Credit Union’s share of searches among auto refinance companies in the United States decreased from 3.7% to 3%.
Across the 12 months ending October 2026, Navy Federal Credit Union’s share of searches among auto refinance companies in the United States peaked at 33.6% in July 2026 and was lowest at 21.1% in August 2026.
Across the 12 months ending October 2026, Caribou’s share of searches among auto refinance companies in the United States peaked at 19.9% in October 2026 and was lowest at 9.6% in May 2026.
Across the 12 months ending October 2026, Gravity Lending’s share of searches among auto refinance companies in the United States peaked at 21.1% in August 2026 and was lowest at 14.4% in May 2026.
Across the 12 months ending October 2026, Autopay’s share of searches among auto refinance companies in the United States peaked at 14.1% in August 2026 and was lowest at 6.3% in May 2026.
Across the 12 months ending October 2026, RateGenius’ share of searches among auto refinance companies in the United States peaked at 18.6% in February 2026 and was lowest at 10.8% in September 2026.
Across the 12 months ending October 2026, iLending’s share of searches among auto refinance companies in the United States peaked at 9.4% in January 2026 and was lowest at 7.3% in October 2026.
Across the 12 months ending October 2026, myAutoloan’s share of searches among auto refinance companies in the United States peaked at 4.8% in October 2026 and was lowest at 2.2% in May 2026.
Across the 12 months ending October 2026, PenFed Credit Union’s share of searches among auto refinance companies in the United States peaked at 26.4% in May 2026 and was lowest at 2.8% in July 2026.
Across the 12 months ending October 2026, Caribou rose from 4th to 2nd among auto refinance companies in the United States.
Across the 12 months ending October 2026, Gravity Lending fell from 2nd to 3rd among auto refinance companies in the United States.
Across the 12 months ending October 2026, Autopay rose from 5th to 4th among auto refinance companies in the United States.
Across the 12 months ending October 2026, RateGenius fell from 3rd to 5th among auto refinance companies in the United States.
Across the 12 months ending October 2026, myAutoloan rose from 8th to 7th among auto refinance companies in the United States.
Across the 12 months ending October 2026, PenFed Credit Union fell from 7th to 8th among auto refinance companies in the United States.
Across the 12 months ending October 2026, Navy Federal Credit Union held steady: its share of searches among auto refinance companies in the United States moved less than 0.5 percentage points.

How did search popularity change for United States auto refinance companies in October 2026?

7 changes

In October 2026, Caribou overtook Gravity Lending to rank 2nd among auto refinance companies in the United States, with 19.9% of the searches.
In October 2026, myAutoloan gained share of searches among auto refinance companies in the United States, from 3.9% to 4.8%.
In October 2026, Gravity Lending lost share of searches among auto refinance companies in the United States, from 19.8% to 16.3%.
In October 2026, iLending lost share of searches among auto refinance companies in the United States, from 8.7% to 7.3%.
Estimated monthly branded searches for Autopay in the United States rose 51.7% over 12 measured months, from 2.9K to 4.4K in October 2026.
Estimated monthly branded searches for Navy Federal Credit Union in the United States rose 22.7% over 12 measured months, from 6.6K to 8.1K in October 2026.
Estimated monthly branded searches for RateGenius in the United States fell 18.2% over 12 measured months, from 4.4K to 3.6K in October 2026.

How are branded searches counted for auto refinance companies?

8 search terms

Each brand's share of searches among auto refinance companies comes from the terms listed under its name. When people mostly search for a brand because of something else it sells, only the searches that name this product count here.