How long after buying a car can you refinance?

Typically, you can refinance a car loan as soon as you have made your first payment, which is usually about 30 days after purchase. However, many lenders prefer borrowers to wait at least 6 to 12 months to establish a payment history and improve the chances of securing better rates. It's also important to consider the car's depreciation and your remaining loan balance. Always check with your lender for specific terms and conditions regarding refinancing.