Traditional Refinance

When you refinance with RoadLoans, you could lower your monthly auto payments. Apply today, and see what kind of deal RoadLoans can offer you.

View important disclosures and offer information.

If approved, you could pay off your existing car loan and replace it with a car loan that fits your needs.

What are the benefits of auto refinance?

Why Refinance? You may be able to

  • Skip your auto payment for up to 60 days*
  • Lower your monthly payment
  • Lower your rate if you refinance now

Apply for Refinance

RoadLoans has approved customers with all types of credit

  • RoadLoans accepts applications from customers with all credit types
  • We could help lower payments even with bad credit
  • We accept applications from customers with previous bankruptcies, credit counseling or repossessions!

Apply to Refinance

The RoadLoans Advantage – Free, Fast and Simple

  • Free: No application fees.
  • Fast: Apply online and receive a decision in just minutes.
  • Simple: If approved, download your documents, sign and return. That’s it.

RoadLoans is a brand of Santander Consumer USA (NYSE: SC), which is part of Banco Santander (NYSE: SAN), a global bank that conducts business in 52 countries.

Our auto loans are fixed rate loans, which means your interest rate will never change. There are never any prepayment penalties, so you are free to pay off your loan early.

RoadLoans has been an auto finance lender for 12 years, finances loans for customers with all types of credit and specializes in financing and servicing loans for customers with less than perfect credit. RoadLoans has helped many customers refinance their cars and save money.

*Skip a Car Payment: Because the first monthly payment on your new auto loan may be due up to 30 days after the closing date, and the closing date may be 0 to 30 days after the most recent monthly due date of your existing loan, you may not have a scheduled monthly payment due for 30 to 60 days after the most recent monthly due date of your existing loan. The actual number of days you may not have a scheduled monthly payment due will vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Interest will accrue on your existing loan until it is paid in full. Interest will accrue on your new loan beginning on the date the loan is funded.