Save money by refinancing
your auto loan today!

Won’t impact your credit score

Rates from 2.24% to 19.99%*APR for existing auto loans

Find out if you’re eligible

Looking to purchase a vehicle or make some car repairs? Apply for a Personal Loan to meet your other auto financing needs.

Lower your monthly car payment and save

Our online refinancing process makes it fast and easy.

Instant Offer

Instant Offer

Check your rate in minutes and instantly see the offers that you qualify for.

Lower Your Monthly Payments

Lower Your Monthly Payments

Flexible terms and great rates that could lower your monthly payments.

Simple, Easy Process

Simple, Easy Process

Our online application makes refinancing easy and fast.

No Hidden Fees

No Hidden Fees

No application fees, origination fees, or prepayment fees.

How Lending Club auto refinance works

step 1

Check Your Rate

After you tell us a little about yourself and your vehicle, you’ll instantly receive multiple auto refinancing offers, if you qualify.

step 2

Confirm Your Details

Select the offer you like best and complete our easy online application. In some cases, we may ask you to send additional documents or details about yourself or your car.

step 3

Drive Off with Savings

If your loan is approved, we’ll take care of paying off your previous lender. That’s it—your auto refinance is complete!

Is my current auto loan eligible?

Instant Offer

To qualify, your car must be…

Instant Offer

Less than 10 years old

Instant Offer

Under 100,000 miles

Instant Offer

A personal-use automobile1

1Lending Club auto refinancing currently does not work with RVs, motorcycles, commercial vehicles, or salvaged vehicles.

Simple, Easy Process

…and your current auto loan must have

Instant Offer

An outstanding balance of $5,000—$50,000

Instant Offer

Been initiated at least 3 months ago

Instant Offer

At least 24 months of remaining payments

Lending Club has empowered more than 1.5 million customers to reach their financial goals.

Simple, quick & easy!

review stars

15,590 Reviews

"Thank you Lending Club for making the loan application so simple and quick. I will be able to pay off my debt in a shorter time period with a low interest rate, ultimately saving me money. The process was seamless!"

— Personal Loan Customer,

Newton, Alabama, May 30, 2015

New to auto refinancing?

Learn more about how refinancing your auto loan can help save you money.

Auto Refinancing