Auto Loan Refinance

Refinance Your Car and
Start Saving Today

Lower auto loan payments are just a few clicks away.

Average payment savings

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Car loans refinanced

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Refinancing Made Easy

We’ve streamlined the auto refinance loan experience from start to finish—making it easier than ever to take control of your car payments. Our straightforward application process is designed to save you time and stress, whether you’re applying online or over the phone. In just a few simple steps, you can explore your options and potentially lower your loan payment or secure a better loan term.

Thanks to our wide network of trusted lenders and financial institutions, we’re able to offer some of the most competitive rates in the industry. Whether you’re refinancing to save money, shorten your repayment timeline, or get cash back, we’re here to guide you every step of the way.

Not sure how much you could save? Try our easy-to-use auto refinance calculator to estimate your monthly savings and see how a lower annual percentage rate could impact your overall loan balance. We’re committed to transparency, flexibility, and results that work for your life.

How it works

1. Apply in minutes

Ready to save on your vehicle loan? Complete your loan application online or over the phone. Provide a few basic details—your name, vehicle identification number (VIN), and information about your current auto loan or existing auto loan—and we’ll take it from there.

2. Confirm your details

We’ll present your best options based on your credit history, credit report, and current loan balance. Our network of credit unions, banks, and lending partners will compete to offer the lowest possible annual percentage rate (APR), with some even offering a rate discount if you set up automatic payments from a savings account.

3. Sign & finalize online

E-sign your loan documents with just a few taps from your mobile device. No in-person visits to a dealership or financial institution required. Interest accrues from the date of the new vehicle loan contract. All disclosures are provided up front for complete transparency.

Why Refinance Your Auto Loan?

Improve your rate: If your credit score has improved since getting your new auto loan, you may now qualify for better auto loan rates.
Adjust your term: Change your term length to pay off your loan amount faster or lower your monthly costs.
Consolidate debt: Use a cash-back refinance to pay down credit card or personal loans with higher rates.
Switch lenders: Refinance through a credit union or alternative financial institution that better supports your financial goals.
No hidden costs: We don’t charge an application fee, and you’ll see all disclosures before signing.

What You Can Do With Auto Loan Refinancing

Lower Your Monthly Payments

Refinancing your current loan can help reduce your loan payment by securing a lower interest rate, extending your loan term, or both. This means more room in your monthly budget—money you can put toward savings, bills, or personal goals.

Get Cash Back

Need extra funds? Choose a cash-back refinance and receive up to $12,000, depending on your loan-to-value ratio and lender eligibility. You can use that money to pay off high-interest credit cards, cover unexpected expenses, or even start a home renovation. It’s your money—use it your way.

Buy Out a Lease

Want to keep the car you love? Use auto loan refinancing to buy out your lease early. Avoid dealership fees, down payments, and warranty costs, and own your car at the end of its lease term without stress.

Modify Your Loan Terms

Refinancing also gives you the flexibility to adjust your term length to better match your current financial situation. Pay off your vehicle loan faster by shortening the term or lower your monthly expenses by spreading payments over a longer period.

Eligibility & Requirements

To qualify for an auto loan refinancing, you typically need:

A current auto loan with a minimum loan amount
An eligible loan-to-value ratio on your car
A stable credit history and verifiable income
Vehicle information, including the vehicle identification number (VIN)
Your credit report from one or more credit bureaus

Our team works with borrowers across the credit spectrum, helping you find the most competitive financing options no matter where you’re starting from.

Safe, Secure & Designed for You

We use industry-standard 128-bit encryption (the same level of protection as major banks) to ensure your information stays safe. We never sell your personal data, and we never charge hidden fees. You won’t have to visit banks, haggle at the dealership, or talk to multiple parties—we handle the full refinance process for you.

Start Saving Today

With hundreds of thousands of auto refinance loans completed, our mission is to help every borrower lower their loan payment, find a better APR, and take control of their financial future.

Apply now and see how much you can save.