Auto Loan Refinancing

Customers save on average $2,500 over the life of the loan*

Pre-qualify for auto refinancing in minutes

No impact to your credit score

Want to see how much you could save by refinancing your auto loan? Pre-qualify online with Progressive® Auto Finance by Capital One. In just a few minutes, you'll see your calculated rate/term options and how much you can save. And because it’s only a "soft" credit inquiry when you pre-qualify, there's no impact to your credit score.

If you like what you see, go ahead and complete the official auto loan refinance application and E-Sign your contract. If not, there are no fees and no obligation to buy.

Auto financing is available if you're purchasing a new or used car.

How refinancing a car loan works

Pre-qualify online for free

If you pre-qualify, you’ll see your estimated monthly payment, term and APR. You may have more than one option to choose from.

Submit a credit application and sign your contract

Once you choose your offer, complete your credit application. You can even sign your contract online. When you submit your official auto loan refinance application, there will be a "hard" credit inquiry that will affect your credit.

Finalize your auto loan refinance application

Capital One may need some documents to complete your refinance, such as VIN, lender details, proof of income, proof of residence and/or a title document. After verifying your information, we'll pay off your current loan. Then, you're all set and you officially refinanced.

See more info on car loan refinancing with Capital One.

Auto refinancing is one more way we help you find what you need

Progressive offers so much more than auto insurance. Whether you’re refinancing a car, buying a home, starting a business, planning a wedding, increasing your financial assets or more—we're here to help you find protection along the way. See more insurance choices.