(Our clients save $143 on Avg. from their monthly car payment)

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Frequently Asked Questions

Please send us a message if you have a question here that was not answered. 

You can experience a wide range of benefits from refinancing a car loan:

  • Lower your monthly payment
  • Lower your interest rate
  • Lower the overall cost of your car
  • Remove someone from the loan
  • Skip a payment or two


No matter how eager you are to refinance, you likely have to wait at least until the title legally transfers from the manufacturer or previous owner before considering refinancing your car loan. In fact, most lenders won’t even consider offering you a refinancing offer until this important legal milestone has been reached.

However, even if you have good credit, the best advice is to wait at least six months before refinancing your auto loan. That’s because the process of getting your auto loan, which added a lot of debt, has likely impacted your credit score. Getting a loan too soon means you won’t be able to get as good an interest rate on your refinanced auto loan, which will cost you much more in the long run than making a few extra payments at the higher rate.


When a lender pulls your credit report in response to an application for a new home mortgage, car loan, student loan, line of credit or credit card, it is called a hard inquiry. ​Whenever a hard inquiry is made, it signals the potential that you will take on new debt. This will temporarily lower your credit score by a small amount until you demonstrate that you can successfully pay off the new debt. Due to the potential negative impacts on your credit score, it’s best to limit hard credit inquiries.

Soft inquiries occur when your credit report is pulled for purposes unrelated to receiving a loan. Since these soft credit inquiries don’t indicate a greater risk of repayment (you’re not increasing your debt as result of them), they don’t lower your credit score. For this reason, you don’t have to worry about soft credit inquiries having a negative impact on your credit.


In most instances, you will not need a down payment when refinancing your car loan. However, there are certain situations when you may need to provide an upfront cash payment in order to qualify for refinancing. This most commonly occurs when you have:

  • Negative equity in the vehicle
  • A poor credit history


After refinancing your car loan, you have a lien on it, the same as you did when your car had its initial loan. This means that the bank or other institution making the loan has a “hold” on the car, and you can’t sell it or trade it in without first resolving that hold by paying off the loan.

If you have a bad loan on your car, refinancing can help get you into a better situation, making it easier to pay down your loan more quickly so that you can eventually trade in the vehicle.


We send you a link to a easy-to-use and secure document portal. This allows you to simply snap a picture of any documentation you need from your mobile device and upload.  Super easy and secure.


CONGRATULATONS! Your Loan Consultant will let you know if we need any additional items as well as set up time to review the loan documents. The entire document process can take as little as 5 minutes! 


Applying is easy. Simply input your information online and one of our highly trained Loan Consultants will reach out to you to complete the necessary information. The entire application process can be completed in just a few minutes. 


Excellent.  Because you received a direct mail offer, you have been pre-qualified!.    You now have two easy options to begin your refinance:

#1 – Call the number on the direct mail and provide your unique PIN to a Loan Consultant.

#2 – Simply go to iLendingCarLoanRefinancing.com and click on “Received a Mailer?”.  This will direct you to an area you can input your unique PIN and begin the refinance process easily and quickly.


Yes! Anything you drive or ride that you have a loan on can be refinanced:

  • Car
  • Truck
  • SUV
  • Van
  • RV
  • ATV
  • Motorcycle
  • Boat


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Quicker Auto Loans helps car owners lower their payment an average of $143 a month**

(Ask about 90 days to first payment)

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