Refinance your auto loan at a rate set by your credit.
Keep the car and replace the rate. Refinancing pays off your existing auto loan and replaces it with one fixed payment priced on your credit — nothing else about the vehicle changes.
Fixed rates from
7.74%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- Paying off a higher-rate dealer or captive-lender auto loan
- Lowering a monthly payment without extending into negative equity
- Consolidating a loan and a rolled-in warranty balance
- Moving off a variable or promotional rate before it resets
Why a Lightstream loan.
Priced on your credit, not the finance office
Dealer financing is marked up for the dealer. A refinance quote reflects your credit and the car — not a lot manager’s incentive to sell you a rate.
A rate that holds for the full term
Your new APR is fixed the day the loan funds. It does not float, step up after a teaser window, or change because rates moved.
No fee to make the switch
No origination fee, no prepayment penalty on the loan you are leaving behind, and none on this one. The savings are the payment difference, not a fee shuffle.
Settled in days, not weeks
Approvals are same-day for qualified applicants, and funds pay off your existing lender directly once you sign — no title office visit required.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 7.74%–18.74% | $312.17/mo |
| 4 years | 8.54%–19.54% | $246.67/mo |
| 5 years | 9.44%–20.44% | $209.73/mo |
| 6 years | 9.44%–20.44% | $182.45/mo |
| 7 years | 10.54%–21.54% | $168.82/mo |
| 10 years | 10.54%–21.54% | $135.16/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Only if you choose a longer term. You can refinance into a term equal to or shorter than what remains on your current loan to keep the payoff date the same while lowering the rate, or lengthen it to reduce the monthly payment. The calculator shows both so you can weigh total interest against monthly cash flow.
The lienholder on the title updates from your current lender to Lightstream; the registered owner stays you. We coordinate the payoff and lien perfection directly with your existing lender, so there is no trip to the DMV for you.
Because a Lightstream loan is unsecured, we do not underwrite to the vehicle’s age or odometer the way a title lender does. Approval is based on your credit profile and ability to repay, which is what lets us refinance cars a secured lender would decline.
It stays yours. Refinancing replaces the debt, not your ownership stake. If you owe less than the car is worth, that equity simply carries forward against a smaller, cheaper loan.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.