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Customers save $3,000* on average
by refinancing their auto loan

Won’t impact your credit score

Find out if you’re eligible

Respond to a mail offer

Lower your monthly car payment and save

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

Check Your Rate

How LendingClub auto refinance works

step 1

Check Your Rate

First, you’ll check your auto loan rate by telling us a little about yourself and your vehicle. It only takes a few minutes and you’ll be presented instantly with multiple auto refinancing offers, if you qualify.

step 2

Confirm Your Details

Next, you’ll select the auto refinance offer you like best and complete our easy online application form. Then, one of our auto loan specialists will review your application and may ask you to submit additional documents or details about yourself or your car.

step 3

Drive Off with Savings

If your request is approved, we’ll take care of paying off your prior lender and your auto refinance will be complete!

Is my current auto loan eligible?

Instant Offer

To qualify, your car must be…

Instant Offer

10 years old or newer

Instant Offer

Under 120,000 miles

Instant Offer

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

Instant Offer

An outstanding balance of $5,000—$55,000

Instant Offer

Been initiated at least 1 month ago

Instant Offer

At least 24 months of remaining payments

Check Your Rate

* 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.

Simple, quick & easy!

25,000+ Reviews

"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."
– David, February 2017

Want to learn more about auto refinancing?

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