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

Won’t impact your credit score.^*

Respond to a mail offer

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.”

—Rose, May 2019^*

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!

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

Check Your Rate

Want to learn more about auto refinancing?

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

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

Thanks for your interest in an auto refinance loan through LendingClub

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