---
title: "Auto refinance companies in the United States: Which are most popular?"
description: "Compare the companies Americans use to refinance a car loan. Share of Search among Navy Federal Credit Union, Caribou, Gravity Lending, Autopay, RateGenius, iLending, myAutoloan and PenFed Credit Union, the auto refinance companies Brandwave compares in the United States, using the same methodology, market, and reporting period. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time."
canonical: "https://gobrandwave.com/demand/us/categories/us-auto-refinance-companies"
publisher: "Brandwave"
---

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

Compare the companies Americans use to refinance a car loan. Share of Search among Navy Federal Credit Union, Caribou, Gravity Lending, Autopay, RateGenius, iLending, myAutoloan and PenFed Credit Union, the auto refinance companies Brandwave compares in the United States, using the same methodology, market, and reporting period. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time.

## Key facts

- **Competitive set**: Auto refinance companies
- **Market**: United States
- **Brands compared**: 8
- **Month measured**: Oct 2026
- **Highest Share of Search**: Navy Federal Credit Union, 24.5%

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

- 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%.
- 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.

## 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.

Brands get a higher AI rank if they are mentioned earlier in the answers that list options.

| Brand | AI rank | ChatGPT answers that named it | Google AI Overviews that named it | All answers that named it |
| --- | --- | --- | --- | --- |
| PenFed Credit Union | 1st | 3 of 3 | 2 of 2 | 5 of 5 |
| Caribou | 2nd | 3 of 3 | 0 of 2 | 3 of 5 |
| Navy Federal Credit Union | 3rd | 1 of 3 | 1 of 2 | 2 of 5 |
| myAutoloan | 4th | 3 of 3 | 0 of 2 | 3 of 5 |
| Autopay | 5th | 0 of 3 | 1 of 2 | 1 of 5 |
| Gravity Lending | 6th | 1 of 3 | 1 of 2 | 2 of 5 |
| RateGenius | Not ranked | 0 of 3 | 0 of 2 | 0 of 5 |
| iLending | Not ranked | 0 of 3 | 0 of 2 | 0 of 5 |

## Every AI answer about auto refinance companies

- Asked ChatGPT "Where's the best place to refinance my car loan?": 1. PenFed Credit Union, 2. Caribou, 3. myAutoloan
- Asked ChatGPT "Which companies offer the lowest auto refinance rates?": 1. Navy Federal Credit Union, 2. PenFed Credit Union, 3. Gravity Lending, 4. myAutoloan, 5. Caribou
- Asked ChatGPT "Is it worth refinancing my car, and who should I use?": 1. PenFed Credit Union, 2. Caribou, 3. myAutoloan
- Searched Google, AI Overview "auto refinance": 1. PenFed Credit Union
- Searched Google, AI Overview "best auto refinance": 1. Autopay, 2. PenFed Credit Union, 3. Navy Federal Credit Union, 4. Gravity Lending

Not named in any answer: RateGenius and iLending.

Brands are listed in the order each answer named them. The answers were collected in United States on October 27, 2026.

## Compare search popularity between leading brands

- [Navy Federal Credit Union vs Caribou: compare search popularity](/demand/us/compare/caribou-auto-vs-navy-federal): 24.5% against 19.9% Share of Search.
- [Navy Federal Credit Union vs Gravity Lending: compare search popularity](/demand/us/compare/gravity-lending-vs-navy-federal): 24.5% against 16.3% Share of Search.
- [Navy Federal Credit Union vs Autopay: compare search popularity](/demand/us/compare/autopay-vs-navy-federal): 24.5% against 13.3% Share of Search.
- [Navy Federal Credit Union vs RateGenius: compare search popularity](/demand/us/compare/navy-federal-vs-rategenius): 24.5% against 10.9% Share of Search.
- [Caribou vs Gravity Lending: compare search popularity](/demand/us/compare/caribou-auto-vs-gravity-lending): 19.9% against 16.3% Share of Search.
- [Caribou vs Autopay: compare search popularity](/demand/us/compare/autopay-vs-caribou-auto): 19.9% against 13.3% Share of Search.
- [Caribou vs RateGenius: compare search popularity](/demand/us/compare/caribou-auto-vs-rategenius): 19.9% against 10.9% Share of Search.
- [Gravity Lending vs Autopay: compare search popularity](/demand/us/compare/autopay-vs-gravity-lending): 16.3% against 13.3% Share of Search.
- [Gravity Lending vs RateGenius: compare search popularity](/demand/us/compare/gravity-lending-vs-rategenius): 16.3% against 10.9% Share of Search.
- [Autopay vs RateGenius: compare search popularity](/demand/us/compare/autopay-vs-rategenius): 13.3% against 10.9% Share of Search.

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

- 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.

## Which auto refinance companies do people search for most?

| Rank | Brand | Share of Search | Estimated monthly branded searches | Change vs prior month | Owned by |
| --- | --- | --- | --- | --- | --- |
| 1 | Navy Federal Credit Union | 24.5% | 8.1K | 0.0% | Navy Federal Credit Union |
| 2 | Caribou | 19.9% | 6.6K | +22.2% | Caribou |
| 3 | Gravity Lending | 16.3% | 5.4K | -18.2% | Gravity Lending |
| 4 | Autopay | 13.3% | 4.4K | 0.0% | Autopay |
| 5 | RateGenius | 10.9% | 3.6K | 0.0% | RateGenius |
| 6 | iLending | 7.3% | 2.4K | -17.2% | iLending |
| 7 | myAutoloan | 4.8% | 1.6K | +23.1% | myAutoloan |
| 8 | PenFed Credit Union | 3% | 1K | 0.0% | PenFed Credit Union |

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

## Historical estimated branded-search demand

| Month | Brand | Estimated monthly branded searches | Share of Search | Rank |
| --- | --- | --- | --- | --- |
| Nov 2025 | Navy Federal Credit Union | 6.6K | 24.3% | 1 |
| Nov 2025 | Gravity Lending | 5.4K | 19.9% | 2 |
| Nov 2025 | RateGenius | 4.4K | 16.2% | 3 |
| Nov 2025 | Caribou | 3.6K | 13.2% | 4 |
| Nov 2025 | Autopay | 2.9K | 10.7% | 5 |
| Nov 2025 | iLending | 2.4K | 8.8% | 6 |
| Nov 2025 | PenFed Credit Union | 1K | 3.7% | 7 |
| Nov 2025 | myAutoloan | 880 | 3.2% | 8 |
| Dec 2025 | Navy Federal Credit Union | 8.1K | 24.9% | 1 |
| Dec 2025 | Caribou | 5.4K | 16.6% | 2 |
| Dec 2025 | Gravity Lending | 5.4K | 16.6% | 3 |
| Dec 2025 | RateGenius | 5.4K | 16.6% | 4 |
| Dec 2025 | iLending | 2.9K | 8.9% | 5 |
| Dec 2025 | Autopay | 2.4K | 7.4% | 6 |
| Dec 2025 | PenFed Credit Union | 1.9K | 5.8% | 7 |
| Dec 2025 | myAutoloan | 1K | 3.1% | 8 |
| Jan 2026 | Navy Federal Credit Union | 9.9K | 25.8% | 1 |
| Jan 2026 | Gravity Lending | 6.6K | 17.2% | 2 |
| Jan 2026 | RateGenius | 6.6K | 17.2% | 3 |
| Jan 2026 | Caribou | 4.4K | 11.5% | 4 |
| Jan 2026 | Autopay | 3.6K | 9.4% | 5 |
| Jan 2026 | iLending | 3.6K | 9.4% | 6 |
| Jan 2026 | PenFed Credit Union | 2.4K | 6.3% | 7 |
| Jan 2026 | myAutoloan | 1.3K | 3.4% | 8 |
| Feb 2026 | Navy Federal Credit Union | 9.9K | 28% | 1 |
| Feb 2026 | Gravity Lending | 6.6K | 18.6% | 2 |
| Feb 2026 | RateGenius | 6.6K | 18.6% | 3 |
| Feb 2026 | Caribou | 3.6K | 10.2% | 4 |
| Feb 2026 | Autopay | 2.9K | 8.2% | 5 |
| Feb 2026 | iLending | 2.9K | 8.2% | 6 |
| Feb 2026 | PenFed Credit Union | 1.6K | 4.5% | 7 |
| Feb 2026 | myAutoloan | 1.3K | 3.7% | 8 |
| Mar 2026 | Navy Federal Credit Union | 12.1K | 28.9% | 1 |
| Mar 2026 | Gravity Lending | 8.1K | 19.3% | 2 |
| Mar 2026 | RateGenius | 6.6K | 15.8% | 3 |
| Mar 2026 | Caribou | 5.4K | 12.9% | 4 |
| Mar 2026 | iLending | 3.6K | 8.6% | 5 |
| Mar 2026 | Autopay | 2.9K | 6.9% | 6 |
| Mar 2026 | PenFed Credit Union | 1.9K | 4.5% | 7 |
| Mar 2026 | myAutoloan | 1.3K | 3.1% | 8 |
| Apr 2026 | Navy Federal Credit Union | 9.9K | 22.1% | 1 |
| Apr 2026 | PenFed Credit Union | 9.9K | 22.1% | 2 |
| Apr 2026 | Gravity Lending | 6.6K | 14.8% | 3 |
| Apr 2026 | Caribou | 5.4K | 12.1% | 4 |
| Apr 2026 | RateGenius | 5.4K | 12.1% | 5 |
| Apr 2026 | iLending | 3.6K | 8.1% | 6 |
| Apr 2026 | Autopay | 2.9K | 6.5% | 7 |
| Apr 2026 | myAutoloan | 1K | 2.2% | 8 |
| May 2026 | PenFed Credit Union | 12.1K | 26.4% | 1 |
| May 2026 | Navy Federal Credit Union | 9.9K | 21.6% | 2 |
| May 2026 | Gravity Lending | 6.6K | 14.4% | 3 |
| May 2026 | RateGenius | 5.4K | 11.8% | 4 |
| May 2026 | Caribou | 4.4K | 9.6% | 5 |
| May 2026 | iLending | 3.6K | 7.8% | 6 |
| May 2026 | Autopay | 2.9K | 6.3% | 7 |
| May 2026 | myAutoloan | 1K | 2.2% | 8 |
| Jun 2026 | Navy Federal Credit Union | 9.9K | 28.1% | 1 |
| Jun 2026 | Gravity Lending | 6.6K | 18.8% | 2 |
| Jun 2026 | Caribou | 4.4K | 12.5% | 3 |
| Jun 2026 | RateGenius | 4.4K | 12.5% | 4 |
| Jun 2026 | Autopay | 3.6K | 10.2% | 5 |
| Jun 2026 | iLending | 2.9K | 8.2% | 6 |
| Jun 2026 | PenFed Credit Union | 2.4K | 6.8% | 7 |
| Jun 2026 | myAutoloan | 1K | 2.8% | 8 |
| Jul 2026 | Navy Federal Credit Union | 12.1K | 33.6% | 1 |
| Jul 2026 | Gravity Lending | 6.6K | 18.3% | 2 |
| Jul 2026 | Autopay | 4.4K | 12.2% | 3 |
| Jul 2026 | RateGenius | 4.4K | 12.2% | 4 |
| Jul 2026 | Caribou | 3.6K | 10% | 5 |
| Jul 2026 | iLending | 2.9K | 8.1% | 6 |
| Jul 2026 | myAutoloan | 1K | 2.8% | 7 |
| Jul 2026 | PenFed Credit Union | 1K | 2.8% | 8 |
| Aug 2026 | Gravity Lending | 6.6K | 21.1% | 1 |
| Aug 2026 | Navy Federal Credit Union | 6.6K | 21.1% | 2 |
| Aug 2026 | Autopay | 4.4K | 14.1% | 3 |
| Aug 2026 | Caribou | 4.4K | 14.1% | 4 |
| Aug 2026 | RateGenius | 4.4K | 14.1% | 5 |
| Aug 2026 | iLending | 2.9K | 9.3% | 6 |
| Aug 2026 | myAutoloan | 1K | 3.2% | 7 |
| Aug 2026 | PenFed Credit Union | 1K | 3.2% | 8 |
| Sep 2026 | Navy Federal Credit Union | 8.1K | 24.3% | 1 |
| Sep 2026 | Gravity Lending | 6.6K | 19.8% | 2 |
| Sep 2026 | Caribou | 5.4K | 16.2% | 3 |
| Sep 2026 | Autopay | 4.4K | 13.2% | 4 |
| Sep 2026 | RateGenius | 3.6K | 10.8% | 5 |
| Sep 2026 | iLending | 2.9K | 8.7% | 6 |
| Sep 2026 | myAutoloan | 1.3K | 3.9% | 7 |
| Sep 2026 | PenFed Credit Union | 1K | 3% | 8 |
| Oct 2026 | Navy Federal Credit Union | 8.1K | 24.5% | 1 |
| Oct 2026 | Caribou | 6.6K | 19.9% | 2 |
| Oct 2026 | Gravity Lending | 5.4K | 16.3% | 3 |
| Oct 2026 | Autopay | 4.4K | 13.3% | 4 |
| Oct 2026 | RateGenius | 3.6K | 10.9% | 5 |
| Oct 2026 | iLending | 2.4K | 7.3% | 6 |
| Oct 2026 | myAutoloan | 1.6K | 4.8% | 7 |
| Oct 2026 | PenFed Credit Union | 1K | 3% | 8 |

## How are branded searches counted for auto refinance companies?

- **Autopay**: Measured on the search term “autopay refinance”.
- **Caribou**: Measured on the search term “caribou auto refinance”.
- **Gravity Lending**: Measured on the search term “gravity lending”.
- **iLending**: Measured on the search term “ilending”.
- **myAutoloan**: Measured on the search term “my auto loan”.
- **Navy Federal Credit Union**: Measured on the search term “navy federal auto refinance”.
- **PenFed Credit Union**: Measured on the search term “penfed auto refinance”.
- **RateGenius**: Measured on the search term “rategenius”.

- [Autopay](/demand/us/brands/autopay)
- [Caribou](/demand/us/brands/caribou-auto)
- [Gravity Lending](/demand/us/brands/gravity-lending)
- [iLending](/demand/us/brands/ilending)
- [myAutoloan](/demand/us/brands/myautoloan)
- [Navy Federal Credit Union](/demand/us/brands/navy-federal)
- [PenFed Credit Union](/demand/us/brands/penfed)
- [RateGenius](/demand/us/brands/rategenius)

## Methodology

- [How is the Brand Demand Index measured?](/demand/methodology): Where the figures come from, what they compare, and how they may be reused.

## Frequently asked questions

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

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.

## Cite this page

Brandwave. "Auto refinance companies in the United States: Which are most popular?". https://gobrandwave.com/demand/us/categories/us-auto-refinance-companies

This page is also available as HTML at https://gobrandwave.com/demand/us/categories/us-auto-refinance-companies. Brandwave publishes an index of its Markdown pages at https://gobrandwave.com/llms.txt.