U.S. auto loan balances hit $1.71 trillion in Q2 2026 🚗 Now, with Teller & teller:native AI, auto refinancing pre-qualification can start directly in ChatGPT, Claude, Grok and more. A car loan can outlast the circumstances it was taken out in. Income rises. Credit improves. Another lender may offer better terms. Refinancing replaces an existing car loan with a new one. The new loan pays off the old balance, and repayment continues under the new terms. Take a driver who financed a car while building credit. After two years of on-time payments and higher income, it may be worth checking the options again. A longer term can lower the payment but raise the total cost. Lenders also weigh the vehicle's age, mileage and value. Teller offers auto refinancing pre-qualification. Debit AI brings that first step into an AI conversation. Try a prompt like: "Explore refinancing options for my existing car loan and explain how a new term would change total repayment." With ChatGPT or Claude connected to Debit AI, the agent can help build a borrower profile, find matches through Teller and walk through next steps. The lender verifies the borrower and vehicle details and decides on approval and terms. teller:native converts to debits, the AI usage credits that run the agent. Traditional credit sits alongside supported onchain borrowing, lending, swaps and portfolio analysis. Pre-qualify: Debit AI: Pre-qualification does not guarantee approval, funding or a lower rate. Eligibility and vehicle restrictions apply. A financed vehicle can be repossessed after default.