Auto Refinance

We can refinance your vehicle if your current financing is with another lender everywhere except Nevada, Vermont, and the District of Columbia.

We can refinance your vehicle if:

• You’re at least 18 years or older—unless you live in Alabama, then it’s 19
• You’re a U.S. citizen, resident alien, or non-resident alien who currently lives in the U.S.

If you’re eligible to apply, we’ll check your income, expenses, debt, financing amount, credit profile, and the value of the vehicle you want to refinance to see if you qualify.

We do what’s called a ‘soft credit pull’ for prequalification. That lets us take a quick look at your credit profile without impacting your score.

We’ll wait to do a ‘hard credit pull’ once you decide to officially apply for credit. This lets us see all the information we need to approve you for financing. This might affect your credit score because the inquiry becomes part of your credit profile.

You might. The best way to find out is by getting prequalified. Don’t worry, applying for prequalification doesn’t impact your credit score.

It typically takes a few days. It can take longer depending on how quickly we can get all the information we need and how long it takes to verify your payoff quote.

Nope. There’s no application fee. Your state might charge fees for title, registration, and taxes, but we’ll help you sort any fees out during the financing process.

The best way to find out if we can refinance your vehicle is to get prequalified. We can refinance almost any vehicle, unless it:

• Is going to be used primarily for business or commercial purposes (delivery or rideshare services, taxi, police, etc.)
• Has a branded title (salvage, flood, fire, etc.)
• Has unrepaired collision or comprehensive damage
• Has more than one lien
• Was financed less than seven months ago

We offer terms ranging from 36 to 75 months. You can get prequalified to see what terms you’re eligible for.

You’ll need to gather the following information to fill out your prequalification application:

• Full name
• Phone number
• Address
• Housing type
  
• Rent or mortgage payment amount
• Length of time living at residence
  
• Date of birth
• Email address
  
• Monthly income
• Vehicle identification number (VIN) or plate number
• Vehicle mileage
• Current financing payoff amount

If you want to add a co-borrower, you’ll need their full name, address, phone number, date of birth, email address, and monthly income.

Yes, you need to make at least $2,000 a month to qualify for financing.

We’ll need the information you entered to get prequalified, plus:

• Your Social Security number (SSN)
• Employment details and history
• Vehicle Identification Number (VIN) or plate number of the vehicle you want to refinance
• Your vehicle’s year, make, model, and mileage

Yes, we can add or remove a co-applicant during the financing process.

Pro tip—If you want to shop around for financing, make sure all your ‘hard credit inquiries’ happen within 14-days. There are exceptions, and this is up to the credit reporting agency’s discretion, but credit bureaus typically count those as a single inquiry (if they all happen during that 14-day timeframe).

We decided to freshen things up a bit with a new name and improved experience. You can still get approved for vehicle financing online, just like before, but we’ve dropped ‘Clearlane’ from our name.