Auto Refinance

RoadLoans Customer

Which refinance product is best for you?

Traditional Refinance

You want to refinance your auto loan to reduce your payment AND you don't want to increase your total amount financed. Skipping a car payment may be an option.**

No prepayment penalty - pay off anytime.

Apply for Refinance

Cash-Back Refinance

Get the benefits of a traditional auto refinance, with cash back. Residents of the following states are NOT eligible for Cash-Back Refinancing: AK, AR, CT, DC, HI, KS, KY, MA, MS, NC, ND, NE, NH, NJ, NM, NV, PA, VA. Use the cash any way you want. Available to qualified applicants; restrictions apply.

No prepayment penalty - pay off anytime.

Apply for Cash Back

Here's How It Works

Step 1 - Apply

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

Step 2 - Upon Approval

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

Step 3 - Sign

Sign documents and return to RoadLoans with the pre-paid UPS shipping label. RoadLoans pays off your existing loan and sends you a Welcome Package.

Refinance Your Loan

Isn’t it time to payoff your existing car loan and replace it with a loan that might be better for your situation? Following approval for an auto loan refinance with RoadLoans you could start saving money for other important things in life. Take advantage of car loan refinance today. With our cash-back auto refinancing option, you could get access to extra cash when you refinance your car with RoadLoans. Your final cash-back amount will depend on the value of your car and is subject to credit requirements. Not all applicants will receive or are eligible for cash-back refinance.

You may even be able to skip a car payment!* Applying for refinancing is simple, fast and free with RoadLoans. You apply online and get an immediate confirmation. Once you're approved, simply download and print your loan documents, sign and return them to Santander. Refinance today and save money for other, more important things!

* Yearly payment reduction claim is based on average payment reduction our customers experience over a year with their new loan (same or a longer term) compared to their prior yearly loan payments. Yearly payment reduction may result from a lower interest rate, a longer term or both. The cash-back option 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 seven years old may be eligible for cash back. Residents of the following states are NOT eligible for Cash-Back Refinancing: AK, AR, CT, DC, HI, KS, KY, MA, MS, NC, ND, NE, NH, NJ, NM, NV, PA, VA.


** 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 may 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.

Note: Unfortunately, we are unable to refinance existing loans that are serviced by Santander Consumer USA, its companies or brands.