Credit Karma Auto allows you to monitor information about your vehicle and related financing.
Go to this section in Credit Karma: Auto
By linking your driver and vehicle information to your Credit Karma account, you’ll be able to track your:
- Auto Loans
- Estimated Valuations
- Recalls
- Vehicle Info
- Driver Info
If you’re in California or Texas, you can also use Credit Karma Auto to see what members with similar profiles pay for their car insurance. You have the option to add your specific insurance policy or simply provide select details, such as what levels of coverage you have and how many claims you've had to help estimate what new policies might cost.
Credit Karma Auto will show you personalized recommendations for relevant products, such as insurance options or auto loan refinancing tools, that could save you money.
Where does the info on Credit Karma Auto come from?
I see a name or vehicle I don’t recognize, how do I edit auto info from my Credit Karma profile?
My personal driver’s license information (State or DL#) seems to be wrong in Credit Karma Auto
How do I remove all auto info from my Credit Karma profile?
Where do you get the vehicle valuation data from?
Where does the recall information come from?
Why am I ineligible for a loan refinance?
How is the projected value calculated?
Can Credit Karma refinance my loan?
How are you calculating my vehicle’s depreciation rate?
Why should I refinance now instead of later?
Will entering my information in Credit Karma Auto affect my credit scores?
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Where does the information on Credit Karma Auto come from?
The driver and most of the vehicle data you see in Credit Karma Auto is based off the home address listed on your Credit Karma account. If you’ve recently moved states or your driver information has otherwise changed these changes may not be reflected.
Some other vehicle data that you see on Credit Karma, such as car value and open recalls, comes from third parties or public sources.
I see a name or vehicle I don’t recognize, how do I edit auto info from my Credit Karma profile?
It sounds like you’re seeing some names and/or vehicles you don’t recognize in the Auto experience.
Don’t worry! The driver and most of the vehicle data you see in Credit Karma Auto is based off the home address listed on your Credit Karma account. In the initial results when you first link your vehicle, you may see drivers and/or vehicles that you don’t recognize because they may have been tied to this address at one point or another. Simply click the Remove button next to the information you do not want added to your profile.
If you accidentally added them when the initial results came up, you may also be able to remove them at a later time. To go back later to remove an unfamiliar name and/or vehicle from your Credit Karma Auto profile, follow these steps:
- Click the Auto tab to the top of your navigation bar.
- Press the Edit button under the picture of the car at the top left of your screen.
- Click the Remove button that appears next to the incorrect information.
- Click the Finish button to save any changes you want to keep.
If you are using Credit Karma on a mobile browser or laptop/desktop, you can also click here to add or delete vehicles and drivers directly.
That said, if you only have one vehicle listed, and when your initial results showed you did not remove it then, we have yet to implement the Remove feature to allow you to go back and remove that vehicle from your profile later.
My personal driver’s license information (State or DL#) seems to be wrong in Credit Karma Auto
If you opt to pull your vehicle and driver information into Credit Karma Auto, the information comes from DMV records. Because of this, we’re unable to edit this information. If you think this information is incorrect, you can contact your state’s DMV to make sure this information is correct on their end.
How do I remove all auto info from my Credit Karma profile?
Once you opt to pull your vehicle and driver information into Credit Karma Auto, you must take an additional step to confirm that information before it is added to your account. If you do confirm it but want to remove it later, you can do this by clicking Edit and then Remove.
You can remove all current vehicles or drivers as long as you leave at least one vehicle and one driver still attached to your auto profile. You can add a vehicle or driver, and then delete any that were previously listed.
If you would like to remove all auto information from your Credit Karma profile, you may also cancel and deactivate your account.
Where do you get the vehicle valuation data from?
The estimated vehicle valuations comes from the National Automobile Dealers Association (NADA). You can see multiple valuations, each assuming different vehicle conditions. Credit Karma does not have the ability to make changes to your vehicle valuations. For more information about NADA, visit: www.nada.org
Where does the recall information come from?
The vehicle recall information shown in Credit Karma Auto comes from the National Highway Traffic Safety Administration (NHTSA). For more information about NHTSA, please visit www.nhtsa.gov
Why am I ineligible for a loan refinance?
Many factors are taken into consideration when a lender is determining whether to approve your refinance application. These may include, among others:
- Loan-to-value ratio
- Your Credit
- Your vehicle’s age and mileage
If you are not looking to refinance, you will still be able to access other Credit Karma Auto features, including estimated vehicle valuations and recalls.
How is the projected value calculated?
The projected value displayed in Credit Karma Auto is based on several factors, including, among others,current mileage, where you live, and the car’s condition. Your car’s value may differ depending on whether you plan to sell it privately or trade it in at a dealership.
Can Credit Karma refinance my loan?
We may recommend different auto loan refinancing options based on the information you provide, but we are not a lender and cannot refinance your loan.
You can compare auto loans at Credit Karma Auto.
How are you calculating my vehicle’s depreciation rate?
Vehicle depreciation is the rate at which your vehicle loses its value over time. Significant factors that can affect car depreciation are your vehicle’s age and mileage. Other factors such as the make, model, supply, location, and more are also considered when determining your vehicle depreciation rate.
Credit Karma Auto provides you with a graph to show you estimates of how your vehicle’s value (provided from National Automobile Dealers Association (NADA) may be depreciating over time.
You can read more in these articles:
Should I consider refinancing my auto loan?
Refinancing your loan might help you save money in the long run, particularly if a lower interest rate might be available to you, but whether you should apply to refinance your auto loan depends on your situation.For example, a loan on an older vehicle especially with high mileage would likely not be a good candidate.
If you’re struggling with a high interest rate or an unaffordable monthly payment, learning more about available refinancing options could be a good step to take. If your credit health has recently improved, then it could be a good time to explore what refinancing options for your auto loan could be available. To learn more, you can check out the Credit Karma Guide to Refinancing Your Auto Loan.
Will entering my information in Credit Karma Auto affect my credit scores?
The credit scores that you see through your Credit Karma account are from TransUnion and Equifax. Linking your vehicle and driver information to your Credit Karma account won’t affect your credit scores. Keep in mind, though, that if you choose to apply for new auto loans or to refinance your current auto loan you’ll see a hard inquiry on your credit reports which can affect your credit scores.
Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Licenses | NMLS Consumer Access. California loans arranged pursuant to a California Financing Law license
Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748)
