Learn About Refinancing And Its Benefits

To get your new lower rate, we’ll need the following documents and information:

● Driver’s License

● Current Proof of Insurance

● Current Registration

● Pay Stubs or Proof of Income

● Current Loan Finance Contract (optional)

That’s it — contact one of our expert loan consultants to get started.

All we need is a little information from you to get started. After that, our team takes care of the

entire process:

Step 1. Provide your personal, vehicle, and employment information.

Step 2. Our loan consultants will determine which loans you qualify for and walk you through

your options.

Step 3. We submit your application to your chosen lender.

Step 4. Auto Approve will generate all of your new loan and title documents. We’ll send them to

you for an e-signature.

Step 5. Auto Approve will handle the rest and get your loan funded. We’ll also work with the

DMV to take care of the vehicle title.

Step 6. You’ll begin to make your payments to the new lender

It’s that simple and fast!

Getting a quote does not affect your credit score. The ‘soft’ inquiry that Auto Approve performs is viewable only by you (no one else reviewing your credit can see these types of inquiries) and it does not impact your credit score in any way. When you choose to move forward with refinancing your vehicle, a ‘hard’ credit inquiry will occur and appear on your credit history. This is standard practice and is generally not a significant impact on your overall credit score. The short-term impact that a ‘hard’ inquiry may have on your credit will likely be far outweighed by the long-term benefits of finding a loan with more favorable terms.

Auto Approve refinances cars, trucks and SUVs. We also refinance:

• Motorcycles
• RVs
• Boats
• ATVs

At this time, commercial vehicles and heavy equipment machinery are not eligible for refinancing. We are also unable to refinance a vehicle under a company’s name.

The due date of your monthly payment will be listed in your loan package. Your first payment is typically due 45 days from the contract date, which means you get to skip a payment. We even offer a 90 day deferred payment option for qualified buyers.

Receiving a quote online only takes a few seconds.

Once your information is received, your dedicated loan consultant will work with you to submit your application to one of our preferred lending partners. In most cases you will receive a decision within minutes of submitting your application.

Most of our customers consider refinancing to enjoy the benefit of lower monthly payments. With our help, Auto Approve customers save over $100 per month on average. That’s money you can put toward paying off bills or use for exciting purchases. If nothing else, it’s added peace of mind for when life’s unexpected moments catch you off guard.

Yes. You can add or remove a co-borrower (also called a co-signer) to your new loan. Your new loan will be determined based on the person(s) applying or being removed. 

Yes. We value your trust in us and work with credible lending partners who also use up-to-date data security software to ensure your information remains private.

Auto Approve does not sell, rent or lease its customer lists to third parties. 

For more information, please refer to our privacy policy.

No, Auto Approve does not charge an application fee. Receiving a quote is free and completing your refinance requires no out of pocket fees.

Once you move forward with refinancing your vehicle, the cost of refinancing your auto loan includes admin/doc fees, title transfer fees, state fees (if applicable) and the cost of any extra services you choose to add, such as a GAP and extended warranty or other optional service plans.

Your dedicated Aut oApprove loan consultant will provide you with an itemized breakdown as part of your auto loan refinance package.

Interest rates fluctuate for a variety of reasons, and they can even change daily. When you receive a lender-approved offer from Auto Approve, we lock in your rate so it doesn't change for up to 30 days.

At Auto Approve, you’ll be our top priority.

• We operate with a customer-first mentality. 
• We value your time and work hard to save you money. 
• Our customers love us — we have an A+ rating on BBB and a 96% customer satisfaction rate on Lending Tree. 
• We work with premier lending partners to get you the best loan rate possible.

Our lender network consists of banks, finance companies, and credit unions across the country. 

Each lending partner has a different set of criteria for applicants. Since our trained loan consultants know their criteria and will search for the best financing solutions for you.

Loan terms vary for each customer as there are several factors that impact the terms of your new loan. Loan terms typically range from 12 to 84 months. We work with multiple lenders to find you the best option to fit your current budget, financial goals, and ideal repayment timeline.

Your dedicated loan consultant will help you find the right loan for you. 

Auto Approve is proud to assist our customers with multiple lease buyout options: 

• Lease-End Buyout allows you to purchase/refinance your vehicle at the end of your lease. 
• Early Buyout option gives you the chance to purchase your vehicle before your lease is up.