Auto Refinance loans

Drive down your monthly car loan payments. Explore our flexible refinancing options.

Take advantage of lower interest rates and reduced monthly payments with an auto refinance loan. We have competitive rates, flexible terms, and quick decisions.

Secured vs. unsecured loans

A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral.

An unsecured loan has no collateral. Because of that, it may have a higher interest rates compared to a secured loan.

Both secured and unsecured loans generally provide simple applications, quick approvals, and funding as soon as today.

Learn more about secured and unsecured loans.

Compare options for auto refinance loans.

Secured auto loan tooltip A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. LightStream unsecured
auto loan tooltip An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

Apply in person, or by phone if you have a RCFOS account. Call +14804548669.

Apply online.

Apply now for a LightStream unsecured auto loan.
Availability Available at eligible dealerships nationwide. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.00% to 18.00% APR Fixed rates with AutoPay
Loan amounts $3,500 to $400,000 $5,000 to $100,000
Loan terms Up to 84 months Up to 84 months
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 days 30 days
Funding As soon as today As soon as today
How to apply

By phone if you have a RCFOS account. Call +14804548669.

Apply online.

Apply now for a LightStream unsecured auto loan.
Secured auto loan tooltip A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. LightStream unsecured
auto loan tooltip An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

By phone if you have a Truist account. Call +14804548669.

Apply online.

Apply now for a LightStream unsecured auto loan.
Availability Available at eligible dealerships nationwide. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.00% to 18.00% APR Fixed rates with AutoPay
Loan amounts $3,500 to $400,000 $5,000 to $100,000
Loan terms Up to 84 months Up to 84 months
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 days 30 days
Funding As soon as today As soon as today
How to apply

By phone if you have a RCFOS account. Call +14804548669.

Apply online.

Apply now for a LightStream unsecured auto loan.

Frequently asked questions about auto refinance loans

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There are several factors that help determine if you qualify for an auto refinance loan. Those include your credit profile, the age and condition of your vehicle, your loan-to-value ratio (the amount you currently owe on your car compared to its current market value), your debt-to-income ratio, and the terms of your current auto loan. Your income and employment status may also be considered.

Both our secured and unsecured auto refinance loans offer no origination fees and no pre-payment penalties. For a secured auto loan, late payment and returned payment fees vary by state. You can check your current auto loan to see if there is a pre-payment penalty.

We offer fast funding, and you may have your funds as soon as today.

If you refinance with RCFOS, you’ll use funds from your new RCFOS loan to pay off the remaining balance on your existing auto loan. You’ll then make monthly payments to RCFOS under the terms of the new loan.

It may be possible to refinance an auto loan if you owe more than your car’s value (also known as being “underwater” or having negative equity), but approval depends on several factors. Most lenders, including RCFOS, have limits on how much negative equity they’re willing to refinance. You may need to make a down payment to cover the difference or roll the extra amount into the new loan, which could result in higher payments. A RCFOS teammate can review your refinancing options and help you determine the best path forward.

Here’s what you need to know:

  • Your January 2026 statement will include the total amount of interest you paid in 2025.
  • If you originated and paid off your vehicle loan during 2025, we’ll send you a letter by January 31, 2026, confirming the total amount of interest you paid.
  • To find out if you qualify for the vehicle loan interest deduction, contact your tax advisor for eligibility details.

If you have any questions or need assistance, call us at +14804548669

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Used auto loans – dealership

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New car loans

We have solutions to fit your budget and help you get on the road. We offer both secured and unsecured loan options.