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.

Reduce Your Payment

Cash-Back Refinance

Get the benefits of a traditional auto refinance, with up to $5,000 cash back. Use the cash any way you want. Available to qualified applicants; restrictions apply.

No prepayment penalty - pay off anytime.

Get 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 - Approved

Receive an instant confirmation. 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

Love your car, but not your car payment? If you financed your car or truck with a rate or payment that's higher than you like, consider refinancing your loan with RoadLoans - Santander Consumer USA's direct lending product. Take advantage of changing interest rates, and possibly lower your car payment* even with less-than-perfect credit. Pay off your existing auto note and replace it with a more affordable loan and monthly payment. You may even be able to skip a car payment!**

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!

* Approved applicants may receive a lower monthly payment. The monthly savings is a result of a longer term, lower interest rate, or both and is based on a comparison of your new loan with RoadLoans and your prior loan. Savings may vary and your savings may be different.

** 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 zero 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 will 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.

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