Where does CarFinance.com do business?

CarFinance.com is based in Irvine, CA. It was founded in 1996 and offers auto refinance loans in state across the USA.

What are the auto loan refinancing rates offered through CarFinance.com?

APRs for auto refinance loans through CarFinance.com range from 3% to 36%.

What is the maximum loan term you can get with CarFinance.com?

CarFinance.com offers auto refinancing with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does CarFinance.com charge an origination fee on auto refinance loans?

Yes, CarFinance.com charges a loan origination fee.

Does CarFinance.com charge a late fee?

Yes, auto refinance loans via CarFinance.com are subject to late payment penalty fees.

Does CarFinance.com charge prepayment fees?

Yes, CarFinance.com does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What are the key eligibility criteria for CarFinance.com auto loan refinancing?

CarFinance.com requires borrowers to have a credit score of at least 300 to apply for auto loan refinancing.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan refinance with CarFinance.com?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 1 to 7 days of approval


  • Credit Score Range
    300 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Term Range (Months)
    Up to 72
  • APR
    3% - 36%
  • Max Loan Term (Months)
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