How does Roadloans Auto Refinancing Work

Start Saving Today! Option to Select up to $5,000 Cash Back †

Refinancing with RoadLoans is a simple process that can save you money on your auto loan every month. RoadLoans has two refinance options to give you more control over your finances: Traditional Refinance and Cash Back Refinance, which may not only lower your payment and interest rate, but may also give you up to $5,000 cash to spend however you want..

Here's how it works...

  • Choose the kind of refinance you want – Traditional or Cash Back Refinance. Apply online in just minutes.

  • Receive an instant confirmation. Once approved, immediately download your loan documents and instructions online.

  • Complete and sign the necessary documents and return to RoadLoans with the pre-paid UPS shipping label. RoadLoans pays off your existing loan with your current lender and sends you a Welcome Package.

    If you applied for Cash Back with your refinance, you’ll receive your money once your loan has been finalized.

Which Refinance Product is best for you

Traditional Refinance

You want to restructure your auto loan to reduce your payment AND you don’t want to increase your total financed amount. Possibly skip a car payment.

No prepayment penalty – pay off anytime.

Cash Back Refinance

You want to restructure your auto loan to reduce your payment, AND you are comfortable taking on a larger note to pay off over time. Possibly skip a car payment.

No prepayment penalty – pay off anytime.

Ready to Get Started? Use the payment calculator to estimate your savings. Then apply in minutes.

† Granting of cash-back is subject to credit requirements. The cash-back amount will be made available to you via check or electronic transfer, and will be added to your loan amount. Interest will accrue on your cash-back amount. Vehicles up to 8 years old may be eligible for up to $5,000 cash-back.

RoadLoans has been an auto finance lender for over 10 years. We finance all credit types, and specialize in financing and servicing loans for customers with less-than-perfect credit. RoadLoans has helped many customers refinance their cars and save money. RoadLoans is a unit of Santander Group, the largest bank in the eurozone, and among of the largest banks in the world. You can rest assured that when you apply your information is safe and secure and will not be sent or sold to other lenders.

All or our auto loans are simple interest loans, which means your interest rate will never change. Also, there are never any prepayment penalties, so you are free to pay off your loan quicker than originally scheduled.

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