Customers lower their car payment by $80* per month on average

Won’t impact your credit score.*

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

Simple, quick, and easy.

25,000+ Reviews

“I got a great rate and lowered my payment by almost 200 dollars. It was easy to apply and there were no hassles.”

Lower your monthly car payment

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 Origination Fees

No Origination Fees

Plus no prepayment penalties.

What is auto refinancing?

Auto refinancing is when you pay off your existing car loan and replace it with a new one, usually from a different lender. Refinancing your auto loan can help you save money by scoring a lower interest rate. Or you can reduce your monthly payments by adjusting the length of your loan term, freeing up cash for other financial responsibilities.
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!

Is my current auto loan eligible?

To qualify, your car must be:

10 years old or newer
Under 120,000 miles
A personal-use automobile*

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

Want to learn more about auto refinancing?

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