Customers save $3,000* on average
by refinancing their auto loan

What state do you live in? Alaska Alabama Arkansas Arizona California Colorado Connecticut District of Columbia Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming

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Won’t impact your credit score

Find out if you’re eligible

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Thanks for your interest in an auto refinance loan through LendingClub

We don’t currently offer this product in your state. However we are making new states available all the time. Give us your email and we’ll let you know when more states are open. Thanks!

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In the meantime, you can check your rate for a personal loan, with no impact to your credit score

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Lower your monthly car payment and save

Our online refinancing process makes it fast and easy.

Instant Offer

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

Lower Your Monthly Payments

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

Simple, Easy Process

Our online application makes refinancing easy and fast.

No Origination Fees

Plus no prepayment penalties

Check Your Rate

How LendingClub auto refinance works

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.

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.

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!

Check Your Rate

First, you’ll check your auto loan rate by telling us a little about yourself and your vehicle. It only takes a few minutes and you’ll be presented instantly with multiple auto refinancing offers, if you qualify.

Confirm Your Details

Next, you’ll select the auto refinance offer you like best and complete our easy online application form. Then, one of our auto loan specialists will review your application and may ask you to submit additional documents or details about yourself or your car.

Drive Off with Savings

If your request is approved, we’ll take care of paying off your prior lender and your auto refinance will be complete!

Is my current auto loan eligible?

To qualify, your car must be…

10 years old or newer

Under 120,000 miles

A personal-use automobile¹

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

…and your current auto loan must have

An outstanding balance of $5,000—$55,000

Been initiated at least 1 month ago

At least 24 months of remaining payments

Check Your Rate

* The criteria is subject to credit quality and further restrictions may apply depending on credit quality.

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

Simple, quick & easy!

25,000+ Reviews

"I was helped right away and the interest rate was very good.  That's why I am very happy that I went with LendingClub. I would recommend LendingClub to all my friends and family."

– David, February 2017

Want to learn more about auto refinancing?

See our blog post to understand the step by step process of how it works.