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Auto Refinance Loans

Shift into a better auto loan.1

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This won’t affect your credit score.

Auto loan refinancing as smooth as the open road.

Love your car but not your current auto loan? Refinancing could lower your monthly payments.2

How does auto refinancing work?

You essentially pay off your current car loan with the new loan. Depending on your situation, auto refinancing could lower your interest rate, reduce your monthly payment, or change the duration of your loan.

Why should I choose OneMain to refinance my car loan?

We understand your needs are as unique as your car’s nickname. Our loan experts will work with you one-on-one to find a refinancing loan that fits your budget and helps you achieve your goals. Plus, this isn’t our first time around the block. We’ve been a trusted lender for more than 100 years.

Today’s the day. See if you prequalify for a OneMain auto refinancing loan!

Benefits of an auto refinancing loan include:


Fixed interest rate


Money as soon as same day if approved by noon3


No prepayment fees

3 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check or electronically deposited to the borrower’s bank account through the Automated Clearing House (ACH) or debit card (SpeedFunds) networks. ACH funds are available approximately 1 to 2 business days after the loan closing date. Funds through SpeedFunds are available on the loan closing date.

Ready to get things rolling?See if you prequalify for a OneMain personal loan now.

Check for Offers

This won’t affect your credit score.

Real stories of how OneMain customers refinanced their auto loan.4

“Kathy was very helpful with my needs to refinance after struggling with my payments. I would recommend the Merrillville location.”4

— Mary Kay G., 3/3/20

"It was very easy to refinance my car. The people are pleasant, friendly and efficient. It was a pleasure to do business with them.”4

— Penny M., 2/28/20

4 These customer testimonials reflect individuals' personal experiences, so you may not have the same results