Customers save $2,700* on average
by refinancing their auto loan
Won’t impact your credit score
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
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 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
* 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.
"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."
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