SpringboardAuto Auto Refinance

Out of Business

SpringboardAuto Auto Refinance

in Auto Loan Refinancing from SpringboardAuto

Out of Business

SpringboardAuto Auto Refinance

in Auto Loan Refinancing from SpringboardAuto

Net Recommendation Score +100%



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Credit Score Range 500 - 850
Loan Amount $7,500 - $40,000
APR  (Fixed APR) 5% - 36%
Loan Term (Months) 24 - 72 months

SpringboardAuto Auto Refinance Review

SpringboardAuto Auto Refinance is no longer available to new customers on SuperMoney.

Click here to compare Auto Loan Refinancing and quickly find the best options for your needs.

SpringboardAuto Auto Refinance is an auto loan refinance offering by SpringboardAuto, based in Irvine, CA. Founded in 2015, SpringboardAuto offers auto refinance loans in 29 states across the USA.

Key Takeaways
  • APRs starting at 5%. There are average starting rates for an auto refinancing loan. If you have good credit you may qualify for a loan with better rates.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered for SpringboardAuto Auto Refinance.
  • Vehicle requirements. Vehicles must have less than 138,000 miles and a maximum age of 10 years.
  • Fast process. In some cases you can refinance your auto loan within 1 business day.
  • Origination fees of $0 to $595.
  • Long loan terms. SpringboardAuto Auto Refinance offers loan terms of up to 72 months. Most auto refinancing loans have a maximum term of 60 months.
  • Minimum income of $24,000. You will need an annual income of at least $24,000 to apply for SpringboardAuto Auto Refinance, which is above average for the lenders in our database.
SpringboardAuto Auto Refinance Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 10 years)
  • APRs as high as 36%.
  • Charges an origination fee.
  • Only available in 29 states.
  • Charges a late fee of $100
SpringboardAuto Auto Refinance FAQ

How much can you borrow via SpringboardAuto Auto Refinance?

Auto refinance loan amounts start at $7,500 and go up to $40,000.

What are the auto loan refinancing rates offered through SpringboardAuto Auto Refinance?

SpringboardAuto Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 5% APR up to 36% APR.

What is the maximum loan term you can get with SpringboardAuto Auto Refinance?

SpringboardAuto Auto Refinance offers auto refinancing with terms ranging from 24 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 SpringboardAuto Auto Refinance charge an origination fee on auto refinance loans?

Yes, SpringboardAuto Auto Refinance charges a loan origination fee of $0 to $595

Does SpringboardAuto Auto Refinance charge a late fee?

Yes, auto refinance loans via SpringboardAuto Auto Refinance are subject to late payment penalty fees of up to $100.

Does SpringboardAuto Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for SpringboardAuto Auto Refinance?

Applicants with a credit score of at least 500 and up to 850 may be eligible for SpringboardAuto Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loan refinancing with SpringboardAuto Auto Refinance, applicants need a minimum annual income of $24,000 or higher. SpringboardAuto Auto Refinance only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

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 SpringboardAuto Auto Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by SpringboardAuto Auto Refinance. Permanent resident / green card holders are also eligible to apply.

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

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

What is the maximum mileage to refinance with SpringboardAuto?

SpringboardAuto is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 138000 miles on the odometer.

What is the maximum car age to refinance with SpringboardAuto?

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

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

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

Does SpringboardAuto Auto Refinance report your account activity to credit bureaus?

Yes, SpringboardAuto Auto Refinance reports your account activity to the following credit reporting agencies:

  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

SpringboardAuto Auto Refinance Disclosure: Offers made by, Inc. are subject to terms and conditions. Married individuals may apply without their spouse. Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying the obligation.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   46 Discovery Suite 200
    Irvine, CA 92618
  •   Visit Site

About SpringboardAuto Auto Refinance

Message From SpringboardAuto

SpringboardAuto is a direct-to-consumer auto loan platform transforming car buying and financing into a modern online and mobile friendly experience. Whether it’s buying from a private party or dealer, our platform utilizes robust technology and data to deliver a premium lending experience.


  Available in 29 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Missouri
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Oregon
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Feature Breakdown

Application Fee $0
No Prepayment Fee
Late Fee Amount $100
Origination Fee ($) $0 - $595
Credit Score Range 500 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
Maximum Mileage 138,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Annual Income $24,000
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed 1 hour
Credit Bureau Reporting
  • Experian
  • TransUnion
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Pre-Approved Soft Credit Inquiry
APR (Fixed APR) 5% - 36%
Loan Term 24 - 72 months
Loan Amount $7,500 - $40,000

SpringboardAuto Auto Refinance Community Reviews


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