Refinance & Cash-Back Refinancing

If you financed your car, truck or SUV with another lender at an interest rate or monthly payment higher than you like, consider refinancing your current contract directly through Santander Consumer USA’s RoadLoans program. Take advantage of changing interest rates or improved credit to pay off your existing note and replace it with a more affordable loan and monthly payment^*, if approved.

Or, refinance a vehicle through the RoadLoans program, and you may be eligible for cash back, subject to credit requirements. Vehicles up to seven years old may be eligible for the cash back amount, which would be added to your loan amount and accrue interest^**.

Note: Unfortunately, we are unable to refinance existing contracts that are serviced by Santander Consumer USA, its companies or brands.

^* Yearly payment reduction claim is based on average payment reduction our customers experience over a year with their new loan (same or a longer term) compared to their prior yearly loan payments. Yearly payment reduction may result from a lower interest rate, a longer term or both. The cash-back option is subject to credit requirements. The cash-back amount will be made available to you via check or electronic transfer, and will be added to your loan amount. Interest will accrue on your cash-back amount. Vehicles up to seven years old may be eligible for cash back. Residents of the following states are NOT eligible for Cash-Back Refinancing: AK, AR, CT, DC, HI, KS, KY, MA, MS, NC, ND, NE, NH, NJ, NM, NV, PA, VA.

^** View disclosures and offer information

Browse More Auto Financing Options

Quick and Easy Financing

It’s just a click away. Apply online and submit your application to get a response in seconds.

Apply with RoadLoans****

**** View disclosures and offer information