Our Auto Refinance loans have no application or brokerage fees. We also don’t charge pre-payment fees for early payoffs. Keep in mind: you will pay interest on your auto refinance loan and you could be charged other fees like a state or stamp duty fee. Rates and fees depend on several factors like your credit history and income. Your Truth in Lending disclosure and Loan Agreement will include details on any fees you’re responsible for.
Rates
Annual percentage rates (APRs) on auto refinance loans from LendingClub Bank range from 5.49%–24.99%.* We consider all of the following to determine your APR:
Your credit score
Your credit history (information from your credit report):
The number and age of open accounts
Credit card balances and utilization
Payment history (including any late payments)
The amount you want to refinance
Your current balance with your previous lender compared to the current value of your car
Your vehicle’s age
Other factors that determine APR include, but are not limited to, the vehicle:
Make
Model
Trim
Mileage
Title Status
Origination Fees
To help with processing your auto refinance loan and title, LendingClub charges an origination fee based on the loan amount. The origination fee is a fixed $150 fee for auto refinance loan amounts greater than $7,500 and $0 for auto refinance loan amounts less than or equal to $7,500. Origination fees are outlined in your finalized offer and incorporated into your loan’s APR.
State Fees
With limited exceptions, any applicable state fees will be outlined in your finalized offer and incorporated into your amount financed. These fees include state title and registration fees, and, depending on the state, a stamp duty fee.
Late Payments
If you make your loan payments after the due date and any applicable grace period, you may be charged a late fee.
*For Auto Refinance Loans, APRs range from 5.49% to 24.99%. A $150 origination fee is charged for all loans over $7,500. No origination fee is charged for auto refinance loans equal to $7,500 or less. APRs are determined at the time of application. The lowest APR is available to borrowers with excellent credit. Advertised rates and fees are current as of 06/27/2025 and may change at any time without notice.
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