Auto Refinancing Loans

Lower your monthly car payment with
better rates and terms

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Auto Refinancing

Save on Your Car Payment

If interest rates have dropped since you financed your vehicle, or your credit has improved, refinancing your auto loan could save you hundreds of dollars each month.

Key Benefits:

Lower Payments

Reduce your monthly car payment significantly

Better Rates

Competitive refinancing rates available

Fixed Rates

Switch from variable to fixed rates

Flexible Terms

Shorten or extend your loan term

Remove Cosigners

Get your own loan without a cosigner

Cash Access

Access cash for other financial needs

How Auto Refinancing Works

A simple 4-step process to get you saving

1

Check Eligibility

Verify you meet our refinancing requirements with your current vehicle and loan details.

2

Apply Online

Complete our simple application with your vehicle and loan information in minutes.

3

Get Approved

Receive instant decision with competitive refinancing rates tailored to you.

4

Close Your Loan

Sign your new loan documents and your old loan will be paid off immediately.

Your Potential Savings

See how much you could save by refinancing

Example Savings Scenario

John had a $25,000 auto loan with 6.5% interest and 5 years remaining. By refinancing with Light Stream at 3.9% interest, he reduced his monthly payment from $489 to $460, saving $29 per month.

Total Savings Over Loan Term: $1,740

Maximize Your Savings

  • Improve your credit score before applying
  • Compare rates from multiple lenders
  • Consider extending your loan term for lower payments
  • Set up automatic payments for discounts

Auto Refinancing Requirements

Check if you qualify for refinancing

Vehicle Requirements

  • Model year 2010 or newer
  • In good working condition
  • Clear title in your name
  • Up to date on payments

Borrower Requirements

  • Credit score of 600+
  • Stable income source
  • Valid driver's license
  • Proof of insurance

Loan Requirements

  • Primary lienholder information
  • Current loan balance
  • Remaining loan term
  • Current interest rate

Ready to Save on Your Car Payment?

Refinance your auto loan today and start saving money each month. Fast approval, no hidden fees.

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