Auto Loan Refinance

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Enjoy the savings of a cheaper car loan

Refinancing may drop your monthly auto payment and knock thousands off your loan costs.

In a few minutes, you can apply to:

  • Save on interest charges with a lower rate*
  • Reduce monthly payments to a more affordable figure*
  • Get cash back that provides more financial options*
  • Pay off your car quicker

Explore our auto refinance options

Cash-Back Refinancing

Refinance your auto loan and tap into the value of your vehicle to get cash back at the same time. Customers can use the extra money as they wish, giving them flexibility now and in the future. It could be for paying off high interest obligations like credit cards or payday loans, or to make a large purchase for the home.

Traditional Refinancing

How does skipping your car payments for up to 60 days* and a lower monthly payment sound? If approved for traditional refinancing and a lower annual percentage rate, you may save hundreds of dollars a year, and thousands over the life of the loan. That’s money to spend on a relaxing vacation, put into a rainy-day fund or build a nest egg.

See if you can start saving on your auto loan.

Apply for Refinancing 
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Calculate your potential savings

Use our auto refinance calculators to compare your current note to a new loan and see what you may save. With a few basic pieces of information you’ll get your potential monthly saving and a saving on interest payments.

The Refinance Option

Fill in the boxes below to discover if you can save money by refinancing your current vehicle.

Current loan

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New loan

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Monthly payment saving

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Interest saving

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*APR is the Annual Percentage Rate or the cost of your credit at a yearly rate.

It’s fast and easy

Refinancing an auto loan with RoadLoans couldn’t be simpler. It’s free to apply online and you can do so at almost any time, even with bad credit.† If approved, we’ll take care of the process for you. There’s none of the lengthy paperwork you’ll find with refinancing a mortgage. Just print and complete your documents, return them to us and look forward to better auto loan terms.

Auto refinancing with bad credit

If you have poor credit – perhaps you’ve been though bankruptcy – but your credit score has improved or interest rates have dropped, it may be the perfect time to refinance. Even a rate one percentage point lower than your current note may result in a decent saving and more affordable payments. And if a cash sum would help your finances, consider applying for cash-back refinancing.

Learn More

You’re in safe hands

RoadLoans is the trusted direct-lending platform of Santander Consumer USA, one of the largest auto lenders in the country, with years of experience refinancing auto loans for people across the credit spectrum. Our customers enjoy the convenience of an online process coupled with friendly, knowledgeable loan specialists just a phone call away. Choice and flexibility are at the center of our approach to financing, so we can provide our customers with the loan terms that work best for them.

Be smart with your money and see if you can start saving.


Refinance your car loan today.

Applying online takes just a few minutes, it’s free, and you’ll get an instant decision.

Get Started


Get in touch

If you have a question or need assistance, we’re right here for you.

  • For application questions, call one of our knowledgeable loan specialists at (888) 276-7202.
  • For customer service, dial (888) 222-4227.
  • We’re also available through our online chat service.

Customer reviews

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These statements are informational suggestions only and should not be construed as legal, accounting or professional advice, nor are they intended as a substitute for legal or professional guidance.

RoadLoans is not a credit counseling service and makes no representations about the responsible use of or restoration of consumer credit.


* View disclosures and offer information.

† “Bad” or “Poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press), Bankrate.com, Credit.com, Investopedia, NerdWallet.com and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by RoadLoans.com and Santander Consumer USA.