Our online refinancing process makes it fast and easy.
Check your rate in minutes and instantly see the offers that you qualify for.
Flexible terms and great rates that could lower your monthly payments.
Our online application makes refinancing easy and fast.
Plus no prepayment penalties
After you tell us a little about yourself and your vehicle, you’ll instantly receive multiple auto refinancing offers, if you qualify.
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.
If your loan is approved, we’ll take care of paying off your previous lender. That’s it—your auto refinance is complete!
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.
See our blog post to understand the step by step process of how it works.