Stop guessing.
Start saving.
RateAlerts watches Fed rates, runs the math on your loan, and tells you the one lender that's actually best when it's time to refi.
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RateAlerts Dashboard
My Loans
Auto Loan
$15,000
3.50%
alert ↓ 0.50%
Mortgage
$280,000
5.50%
alert ↓ 0.75%
Auto Loan
Added just now
3.50%
alert ↓ 0.50%
Add New Loan
Based on your $40,000 auto loan:
Add a loan in 2 minutes. We'll suggest a smart threshold based on your breakeven.
Not 10 options. One recommendation.
You already know you want to refi. You don't need ten options. You need confidence in one.
- “Here are 10 lenders. Pick one.”
- “Here's a 5-question checklist.”
- Generic rate tables for everyone.
- Paid by ad impressions — more options = more clicks.
- We recommend one lender — the one best for your loan.
- Breakeven math on your balance, not a generic table.
- Alert only when the math works — we stay quiet otherwise.
- Paid on application, so we're incentivized to get the pick right.
How It Works
Three steps. No credit check. No spam.
Tell Us Your Rate
Share your current rate, loan type, and (optional) balance. Takes under a minute.
We Watch the Fed
We track the 10-Year Treasury, Prime, and SOFR against your personal threshold.
We Tell You When + Who
When the math works, we email you with your breakeven and the one lender we'd pick for your loan.
What We Track
The Fed benchmarks that actually move your refi rate.
10-Year Treasury Yield
The baseline for long-term mortgage rates. When this drops, fixed mortgage offers usually follow.
Prime Rate
Banks price auto loans and HELOCs off of Prime. It moves with the Fed Funds rate.
SOFR
The Fed's overnight benchmark — increasingly used for adjustable-rate mortgages.
How we make money (and why that's good for you)
RateAlerts earns an affiliate commission of roughly $100–$150 when you apply with one of our partner lenders. That's how we keep the product free.
It's also why our recommendation is honest: we only get paid when you successfully apply, so we're on the hook to recommend lenders with fair terms, low fees, and good customer service. Predatory lenders don't make our list.
Applying through our links doesn't change the rate you're offered or cost you anything extra.
Frequently Asked Questions
Everything you need to know about rate alerts and refinancing.
Two minutes now. Thousands saved later.
Add your loan, set your threshold, and get back to your day. We'll email you when the math actually works — and tell you the one lender we'd pick.
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