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APR  (Fixed APR) 7.99% - 21.99%
Credit Score Range 525 - 850
Loan Term 12 - 72 months
Loan Amount $7,500 - $45,000 Auto Refinance Review Auto Refinance is an auto loan refinance offering by, a marketplace lender based in Irvine, CA. Founded in 1996, offers auto refinance loans in 50 states (and Washington, DC).

How much can you borrow via Auto Refinance?

Auto refinance loan amounts start at $7,500 and go up to $45,000.

What are the auto loan refinancing rates offered through Auto Refinance? Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 7.99% APR up to 21.99% APR.

What is the maximum loan term you can get with Auto Refinance? Auto Refinance offers auto refinancing with terms ranging from 12 to 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 Auto Refinance charge an origination fee on auto refinance loans?

Yes, Auto Refinance charges a loan origination fee.

Does Auto Refinance charge a late fee?

Yes, auto refinance loans via Auto Refinance are subject to late payment penalty fees.

Does Auto Refinance charge prepayment fees?

Yes, Auto Refinance 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 do you need to qualify for Auto Refinance?

Applicants with a credit score of at least 525 and up to 850 are eligible for Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Auto Refinance only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Auto Refinance. Their rates fall within the limits of The Military Lending Act.

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

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

What is the maximum mileage to refinance with is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 140000 miles on the odometer.

What is the maximum car age to refinance with

Only vehicles that are 8 years old or less can qualify for an auto refinance.

What is the estimated funding time for an auto loan refinance with Auto Refinance?

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

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
Minimum Age 18
Credit Score Range 525 - 850
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Maximum Vehicle Age 8
Maximum Mileage 140,000
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $7.5K - $45K
Loan Term 12 - 72 months
APR (Fixed APR) 7.99% - 21.99%

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