Ready to Lower Your Car Payment? With OpenRoad It's Fast, Easy and Free

Auto Refinance Made Easy:

Saving money on your car payment is Awesome. Since 2009, OpenRoad makes it Possible!
  • Applying takes less than five minutes
  • There’s no obligation
  • Credit decisions are returned in less than 30 minutes in most cases

For faster processing collect the following before beginning:
  • Your Social Security number
  • Your vehicle’s current mileage
  • Your vehicle’s VIN number (usually located on your proof of insurance card)
  • Your employment information

*Required Information

There are problems with some of the fields on the application. Please correct your errors and try again.
Type of Car Loan*

Personal Information

**Please be sure to enter your Legal Name exactly as it appears on your Driver's License **

You must be at least 18 years of age to apply. Please check the Date of Birth field before submitting your application.

Contact Information

The amount entered for gross monthly income (before taxes are taken out) does not meet our minimum income requirement. Is there any additional household income you can verify? If so, please enter it into the “other” field.
Please confirm that your gross monthly income (before taxes are taken out) is correct. The figure you entered puts you in the top 1% of earners and appears to be an annual income number.
Please confirm that your rent/mortgage payment is correct. The figure entered is over $10,000 per month.
In order to use someone else's income on the application, they must be a co-applicant. Please be sure to add your spouse as a co-borrower on the application before submitting.

Income and Employment Information

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. If there is additional income from another person you want considered, you must choose "with a co-borrower" above and complete a joint application.

Vehicle Information

Please confirm the current mileage on your vehicle is over 125,000.

By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; and (3) I authorize OpenRoad Lending to pass my application to other Lenders who may be able to assist me in refinancing; and (4) I am granting OpenRoad Lending and its Lender partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and I understand that I could have multiple inquiries on my credit report through this process and (5) I provide express consent to receive prerecorded calls/texts or live agent calls regarding this application and financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided on this application (consent to be contacted is not a condition to purchase services).
I have reviewed the provisions above and the terms in each of the linked documents. By checking the box, I am indicating that I agree to those terms and conditions.
I agree to consent to Electronic Disclosures and to use electronic records and signatures. I consent to receive disclosures electronically.
There are problems with some of the fields on the application. Please correct your errors and try again.

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Refinance Your Auto Loan at a Lower Rate

  • Take advantage of rates as low as 1.9%dagger
  • Lower your rate and your paymentdagger
  • Save! Customers save an average of $100 or more per monthdagger
  • Shorten the term of your loan
  • Have the opportunity to Skip-a-Paymentdagger
  • Expert Loan Care Agents that are ready to assist you
  • Use the money you save every month on something you enjoy
  • Customer Satisfaction of 98%

    Our Customers

    "I had no idea it was this easy to lower my car payments. I would have done this a long time ago." Thomas K. - NC

Customer Savings To Date

...and counting!