Auto Refinance Loans Apply Get the Low Rate you Deserve, Start Saving Today!

It’s time to make a change.

Auto refinancing allows you to save money by lowering your interest rate on your car, truck or SUV. Most people are paying too much on their auto loan. Now is the time to refinance and start putting money back in your pocket. We'll make it happen.

Once your application is complete, our team will work quickly with our lender network to find an interest rate and monthly payments to fit your needs. If approved, you will be immediately contacted regarding your offer by phone, email, and text.

Completing The Refinance Process

After we finds a new loan for you, your loan documents will be available for review in your secure customer dashboard or delivered to your door via FedEx. Upon reviewing the details of the contract with your loan specialist, you will sign the appropriate paperwork and return it to us electronically or via the pre-paid postage envelope. Once your loan package is complete, We will takes care of the rest.

• Payoff the remaining balance of your old auto loan to your former lender
• Transfer the title to your new lender
• Transition you to your new lender

Our customers love us. We provide our customers with solutions that improve their financial situation. If you’re in the market for a new or used car, we can help you get the rate you deserve. If you already have an auto loan, we could help you find a better rate that lowers your payment.

What Is Auto Loan Refinancing?

Auto loan refinancing is the process of paying off an existing loan on your car or truck and starting a new loan. This may be done with the same lending company you already have or a new lending company.

Applying for a car loan refinance can be a somewhat complicated and work-intensive process in which you have to provide information about your:

• Credit.
• Work history.
• Income.

Lenders will use this information to determine whether they think you qualify for a new loan with better terms than you currently have.

Reasons to Refinance Your Vehicle

Plain and simple. Refinancing any loan can make a big impact on your financial health. Whether you want to free up space in your monthly budget or pay less in interest over time, refinancing can help achieve your goals.

Refinancing is when you take out a new loan to cover your existing loan on your car. You pay off the old loan and start paying off the new loan at a lower rate.

There are plenty of good reasons! Maybe you got a bad rate the first time around, your credit got better, or your family situation has changed. Interest rates today are historically low, so even if none of these apply, you may be eligible for a lower rate.

When you refinance to the lower rate you qualify for, you pay less monthly and overall. Sounds pretty sweet, right? It is – and it means more money in your pocket to spend however you want.

• Lower your monthly payment
• Reduce your loan’s interest rate
• Add or remove a co-borrower
• Get cashback from the equity in your car
• Save money.  Lowering your interest rate can save you money over the long term, and lowering your monthly car payment can save you money in the short term. Luckily, we are often able to reduce both rates and monthly payments, saving you money both now and in the future.
• Defer a car payment. In addition to lower interest rates, sometimes delaying a car payment is an effective way to have a temporary budget surplus; you have the freedom to spend or save it however you wish.
• Pay off your car faster by shortening your loan term and/or lowering your interest rate. These factors affect interest accrual. The smaller the amount and the less time spent accruing, the quicker you pay off your principal.
• Break up with big banks.  Credit Unions, which have better rates, personalized service, and more satisfied members, comprise most of our lender network.

Refinance Your Auto Loan and Save!

Auto Refinance Eligibility Requirements

These are some of the requirements needed to be able to pre-qualify for auto loan refinancing.

• Are you employed or have a verifiable source of income?
• Have you made your recent car payments on-time?
• Your vehicle must be 10 years old or newer.
• Your vehicle must have full coverage insurance.
• You must have a valid vehicle registration.
• You must have a valid driver's license.

What Documents are Needed to Refinance a Car?

Before you can refinance your car loan, lenders like will require a few documents to get started. So, before you can get started saving, you’ll need to comb through your file cabinet for a few things. If you don’t keep these on hand, don’t worry. You can easily request the documents needed to refi a car from your employer, residence, or insurance company. We’ll cover the documents needed to ref your car loan and tell you exactly where you can find them.

Proof of Employment and Income

A refinanced car loan will typically require some proof of income. Lenders will often request this in the form of tax forms or tax returns. Refinance car loan lenders need this information before you can be approved for a new loan. There are different requirements for salaried, freelance, and self-employed individuals, and each may require a different proof of income.

Hourly/Salaried Employees – Your lender will likely request pay stubs for the last two pay periods before allowing you to refinance your car loan. If you apply at the beginning of a year, they may also request a W-2 from the previous year.

Freelancers/Contract Employees – The documents needed to refinance a car will change if you are a freelancer or contractor. Because freelancers and contract workers receive multiple 1099s from several companies, auto refinance lenders will ask for your tax returns instead.

Self-Employed – For those who are self-employed and shopping for a refi car loan, lenders will instead ask to see tax returns from the last two years.

If you need a copy of your W-2, you can always request one from your employer. Additionally, tax returns can be requested online by visiting the IRS’s website. Lastly, as a final tip, we recommend notifying your lender of any additional jobs or sources of income you have. This knowledge can be beneficial for a lender to know and may make a difference in your application.

Proof of Residence

Sometimes, your lender may request proof of residence when there is a discrepancy in your credit report or the address on your driver’s license doesn’t match. But don’t worry, you can still refi a car easily by digging through your filing cabinet. Below are some simple documents you can use to prove your address to a lender.

• Utility Bills (Gas, Electric, Water, etc.)
• Driver’s License
• Bank Statement
• Mortgage Statement or Lease Agreement
• Property Tax Bill
• Homeowners or Renters Insurance Policy

Proof of Insurance

To refinance your car loan, you’ll undoubtedly need to provide proof of your car insurance policy. You may provide proof of your policy with your insurance ID card. Alternatively, you may use a declarations page from your insurance company. Be sure that you have one of these documents before proceeding; they are usually tucked away in your car or files at home, but you can’t refi your car loan without them.

Vehicle Information

To process your application and approve you for a refinanced car loan, a lender will require the following information about your vehicle:

• Make
• Model
• Year
• Vehicle Identification Number (VIN)
• Payoff Amount for Your Current Loan

All this information is easily accessible from your vehicle’s registration card. The only thing that is not included on a registration card is the payoff amount for your current loan, which you can access from your current lender.

Refinancing Your Car Now

If you have each of these documents, you can get started refinancing your car immediately. Work with a team of experts like us to get started and save refinanced car loan. With hundreds, if not thousands, of dollars in savings how can you afford not to? Apply now for the best rates in the country.

Add A Vehicle Protection Plan Guaranteed Asset Protection

Great service doesn’t end at refinancing. When your warranty runs out is when you most need coverage against wear and tear. Save money and bundle your payments when you add an extended auto warrant.

Your Choice of Mechanic

Already have a mechanic in mind? Choose any ASE-certified mechanic, anywhere in the United States. We’ll pay them directly, hassle-free.

24/7 roadside assistance

Wherever you are, at any hour of any day, if you need us, we’ll be there. (As long as what you need is roadside assistance.)

Rental cars reimbursed

Life doesn’t stop because your car’s in the shop. We’ll reimburse you for your rental car up to $50 per day.

Courtesy towing

Need a tow truck? We’ve got one. Say the word and we’ll handle the towing – at no additional cost to you.

Save Thousands

Parts can break down without warning, costing you thousands of dollars. An extended auto warranty means you’re protected against surprises.

Flexible financing made easy

And best of all, your extended auto warranty can be built into your loan, so all you have to do is make one easy monthly payment.

Plus GAP to fill the gaps.

GAP is coverage that supplements your auto insurance. In the event your vehicle is totaled or stolen, GAP pays the difference between the value of your vehicle (which your insurance company will pay) and the outstanding balance on your loan (also known as the “gap.”)

We hope it never happens to you, but in an already bad situation, GAP coverage can be a great option to reduce your financial risk.

Because we work with an industry-leading provider of GAP coverage and we complete lots of loans, we have negotiated a great rate. Your cost can be lower than you might be able to get through a car dealership or other lending programs.

The cost of the GAP coverage is included in your loan, and only adds a few dollars to your monthly payment. If you already have GAP coverage, we can help you cancel it.

By law, your current GAP contract will not transfer to your new loan; however, you might be entitled to a pro-rated refund.

Guaranteed Asset Protection (GAP) usually comes with your loan. When you refinance, we’ll work with you to make sure your new loan comes with the GAP insurance that makes sense for you.

Protect against depreciation

The purpose of GAP insurance is to cover the difference between what you owe on your loan and what your car is really worth. Since cars depreciate from the moment they’re purchased, GAP protects you from negative equity.

There when you need it most

GAP swoops in when bad things happen. If your car is totalled or stolen, your Comprehensive and Collision coverage factors in depreciation to what they’ll pay out, so you end up owing the difference between the car’s worth and your loan amount – unless you have GAP to pay that difference.

Just a few dollars a month

The best news is, most GAP coverage is less than $14 a month, so as coverage goes, it offers a pretty great return on investment if you ever actually need it.

What Does Guaranteed Asset Protection (GAP) Cover?

It’s not uncommon for situations like this to occur, where you end up losing your vehicle for some reason and still owe more than your insurer is able to provide to you.

With GAP in place on your auto loan, though, you don’t have to worry about being stuck paying a lot to pay off your auto loan. It helps to protect you against out of pocket costs when your vehicle is a total loss.

Here’s an example of what may happen. You refinance your auto loan with the help of the our team. You choose to include GAP protection with your new loan.

A few months in, the vehicle is stolen from your driveway. The police are looking for it, but aren’t hopeful. You file a claim with your insurance company for the theft.

They agree to file the claim, but they say the value of the car right now is just $15,000. You owe $17,000 on your loan, though.

In this case, your GAP coverage steps in to provide financial help. It helps cover that $2,000 difference for you.

It even contributes up to $1,000 towards your insurance deductible.

That way, you can pay off the loan and go on to purchase a new car.

If you did not have this coverage, you would still be without a car, but you also would still owe your lender that $2,000.

That’s money you could be putting towards the down payment on a new car. If your loan to value ratio is more than 80%, GAP can be a very helpful product.

You might be a great driver, but accidents and theft still happen through no fault of your own.

GAP can minimize your risks and make a bad situation a bit easier on both your mind and your budget.

What You Can Expect from Guaranteed Asset Protection Coverage

We offer GAP insurance from industry-leading providers. You may be eligible for several plans.

Each one has slightly different features. One of our Financial Services Representatives can help you to determine if GAP is right for you and what type of features are best to seek out.

Some offer features such as contributing towards your insurance deductible. For example, in the above examples, you may have an insurance deductible of $1,000 to pay first, before the insurer covers the rest.

GAP may help you to cover some of that costs, further reducing your out of pocket expenses.

Do your homework right now to determine just how much protection you have. You may even wish to read through your auto insurance policy to see how they would pay out in such an instance.

Should You Include It on Your Auto Refinance with Us?

Speak to our agents about the benefits it offers. We makes the entire process very easy for you.

• You can finance the purchase of GAP through your refinance loan.
• If you already had GAP in place, it will not transfer to the new loan. You can cancel it and you may be due a pro-rated refund.
• The investment in GAP may be very affordable, especially if it has to pay out at some time during your vehicle ownership. It could save you thousands of dollars in such events.

Do not hit the road without understanding your refinance options and if adding GAP to your loan makes sense for you to protect your vehicle. That includes GAP. It could help to minimize financial risk to you.

Talk to Our Team When You Request a Refinance Loan

As you consider how GAP can help you, also remember that this, coupled with refinancing your auto loan into a lower interest rate or monthly payment, it may be the best financial decision you can make for yourself right now. Take the time to consider if GAP makes sense for your situation. You may learn that this type of investment is an easy one to make.

Why Trust Our Team with Your Needs?

We’re here to help you. That’s one of the reasons we’ve earned LendingTree’s #1 auto lender rating in customer satisfaction for four consecutive quarters. That’s also why we work hard to help you find the most affordable auto loan refinancing opportunities and protections like GAP. Get Started Now.

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