New Roads Auto Refinancing

New Roads Auto Refinancing

in Auto Loan Refinancing from Consumer Portfolio Services Inc.


New Roads Auto Refinancing


in Auto Loan Refinancing from Consumer Portfolio Services Inc.

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Credit Score Range 300 - 850
Loan Amount N/A
APR  (Fixed APR) Up to 26%
Loan Term (Months) N/A

New Roads Auto Refinancing Review

New Roads Auto Refinancing is an auto loan refinance offering by Consumer Portfolio Services Inc., based in Irvine, CA. Founded in 1991, Consumer Portfolio Services Inc. offers auto refinance loans in 21 states across the USA.

What are the auto loan refinancing rates offered through New Roads Auto Refinancing?

New Roads Auto Refinancing offers a fixed APR auto loan refinancing product up to 26% APR.

Does New Roads Auto Refinancing charge an origination fee on auto refinance loans?

Yes, New Roads Auto Refinancing charges a loan origination fee.

Does New Roads Auto Refinancing charge a late fee?

Yes, auto refinance loans via New Roads Auto Refinancing are subject to late payment penalty fees of up to $50, which is triggered if you're 15 days late.

Does New Roads Auto Refinancing charge prepayment fees?

Yes, New Roads Auto Refinancing 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 New Roads Auto Refinancing?

When it comes to credit scores, Consumer Portfolio Services Inc. doesn't have a set minimum or maximum. People with all types of credit can apply.

New Roads Auto Refinancing does not have or does not disclose a minimum annual income eligibility requirement.

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. APRs for the New Roads Auto Refinancing product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

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

  • Recent pay stubs
  • Proof of income
  • Driver's license

What is the maximum mileage to refinance with Consumer Portfolio Services Inc.?

Consumer Portfolio Services Inc. is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 80000 miles on the odometer.

What is the maximum car age to refinance with Consumer Portfolio Services Inc.?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

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  • Headquarters
  •   19500 Jamboree Rd
    Irvine, CA 92612
  •   Visit Site

Other Services by Consumer Portfolio Services Inc.


  Available in 21 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • New Jersey
  • New Mexico
  • South Carolina
  • Texas
  • Washington

Feature Breakdown

Late Fee After 15 days
Late Fee Amount $50
Credit Score Range 300 - 850
Maximum Mileage 80,000
Maximum Vehicle Age 10
Military Status
  • Non-Military
  • Veterans
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
APR (Fixed APR) Up to 26%

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