Members save over $2,400 on average
by refinancing their auto loan*
Checking your rate won’t impact your credit score
You could save thousands of dollars over the life of your loan*
Our online refinancing process makes it fast and easy.
Check Your Rate in Minutes
quickly see the offers that you could prequalify 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
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 are prequalified.
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 $4,000—$55,000
Been initiated at least 1 month ago
At least 24 months of remaining payments
See below for more details
LendingClub has empowered more than 4 million customers to reach their financial goals.
"A few steps and I saved a bunch of money. Completely painless!"
Want to learn more about auto refinancing?
See our blog post to understand the step by step process of how it works.
Check Your Rate