Skip to content

Auto Refinancing

Auto Refinance

Lower Your Monthly Car Payment and Save

Our online process makes it fast and easy to refinance your car loan and save money.
Affordable Monthly Payments

Great rates and terms that can lower your payment and save you money.

Reliable Support

We'll walk you through each step to make your refinance as easy as possible.

No Prepayment Penalty

Pay off your loan at any time with absolutely no penalties or extra fees.

How it Works


Check Your Rate

Apply online and get offers instantly.


Confirm Your Details

Select the offer you like best and we'll guide you through each step of the loan and title transfer process.


Drive Off with Savings

Once you're approved, we'll take care of paying off your previous lender. That's it — your auto refinance is complete!

Is my current auto loan eligible?

To qualify, your car must be:
  • 10 years old or newer
  • A personal-use automobile
  • Under 130,000 miles (or 150,000 for trucks)
And your current auto loan must have:
  • An outstanding balance greater than $5,000
  • At least 3 monthly payments made


What is an auto refinance loan?
How do I decide if I should refinance my auto loan?
What are the benefits of refinancing my car through Upgrade compared to dealer financing?
What is the process for refinancing my auto loan?
What documents are required to get an auto refinance loan?
How is my current auto loan paid off?

Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at