Auto Refinancing

Lower Your Monthly Car Payment

Lower Your Monthly Car Payment and Save

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

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

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Reliable Support

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

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No Prepayment Penalty

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

How it Works

  1. Check Your Rate

    Apply online and get offers instantly.

  2. Confirm Your Details

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

  3. 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)

Upgrade auto refinancing currently does not work with RVs, motorcycles, commercial vehicles, or salvaged vehicles.

And your current auto loan must have:
  • An outstanding balance greater than $5,000
  • Been initiated at least 3 months ago

We’re Here to Help

What is an auto refinance loan?

An auto refinance loan is when you pay off your existing car loan with a new loan. When you refinance, you can lower your monthly payment and free up more cash for your other regular expenses, and you may be able to save money overall by getting a lower interest rate.

What documents are required to get an auto refinance loan?

Once you're approved for an auto refinance loan, you'll need to send some documents before your funds can be deposited. The documents we ask for typically include your vehicle registration card, proof of insurance, as well as a form that helps us use your car as collateral. The process is simple and we'll walk you through each step so you can get your funds as quickly as possible.

How is my current auto loan paid off?

After approval, Upgrade will directly pay off your existing auto loan and obtain the title from the current finance company. Please keep in mind, it may take up to 2 weeks before the payoff is completely processed. Monitor the status of your existing auto loan during that time frame and continue to make any payments that might be due while the payoff check is in transit. If there is an overpayment, you will be refunded the difference from your lender.

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Saturday - Sunday, 6am - 5pm PT