You could save
with auto refinancing
The simple way to refinance your auto loan
Flexible Loan Amounts
Custom Rates
No Late Fees or Prepayment Penalty
Customers Testimonials
We've helped more than 1 million customers.
I have been financially stressed and needed a way out and NetPay Advance was there in a fix. I don’t care for the amount I have to pay back but it helped me catch up and now I have just the one payment to get thru.
NetPay Advance is by far the best payday loan agency I have ever done business with. Staff are kind and polite, the time it takes to get my fund after an approval is immediate, and they are very understanding when once in a while I have to postpone my payment to future date.
This was my first time applying for a online loan and I would recommend NetPay Advance to anyone who finds themselves in unexpected financial need. The process was easy to go through the questions I had answered in a timely professional manner by knowledgeable polite loan associates.
A quick & transparent process
Refinance your car loan online in 3 easy steps
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There's no such thing as too many questions
Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. NetPay Advance, Inc., is referred to here as “NetPay.”
A car refinance loan is a new car loan that replaces your current car loan under a different term and rate. Car loan refinancing can help you save money by lowering your annual percentage rate (APR) or reducing your monthly payments.
An auto refinance loan may be right for you if you’re looking for a different loan rate or term on your personal vehicle and if:
- Your vehicle is less than 10 years old
- Your vehicle has less than 140,000 miles
- Your current loan has a balance of $9,000 to $60,000
- You initiated your current loan at least 1 month ago
When you refinance your car loan, you may be asked to provide documents that verify your identity, education, and income. We may also ask for:
- A copy of your vehicle registration card
- Proof of insurance
- A co-owner consent form (if applicable)
- Proof of open claim or second lien resolution
All document requests will appear in your NetPay dashboard.
Start by filling out our online form. Provide details about yourself, accept your new terms, and verify your information.
We handle the rest such as verifying your registration details, checking insurance coverage, and ensuring your previous loan is successfully paid off. We may ask for documents to help verify your details and rate. This takes 1-2 weeks.
After 1-2 weeks, you are done! Our team will handle the title administration process with no action from you. Typically this process takes between 30-60 days.
When you check your rate, we make a soft credit inquiry that won’t affect your credit score.
If you go ahead with your application after checking your rate and decide to accept a loan, you will be subject to a hard credit inquiry to verify the accuracy of your application. The hard inquiry may impact your credit score.
If you co-own your car, you can include your co-owner on your loan as long as they sign a consent form and provide identification details within 5 days of submitting your application.
Your co-owner will not be responsible for your new loan repayment. Further, we will consider only the information they provide in our credit decision.
Our platform doesn’t currently allow co-borrowers on refinanced car loans. However, if you have a co-borrower on your current car loan, you may apply to refinance the loan in your name only to remove the co-borrower from the loan.
At NetPay, you’re more than your credit score. Your auto loan rate should reflect that, too. That’s where our “smarter rates” come in. Auto refinancing offers from NetPay-powered lenders consider important details beyond your credit score, like your education and employment. We think that’s pretty smart. See if you qualify—checking your rate doesn’t impact your credit score.
