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.

Applying Online

  • Fast Decision

    Submit your online application to receive a loan decision within seconds.

  • Competitive Rates

    Get your financing established before you even start shopping.**

  • Multiple Offers

    We prepare multiple offers based on your unique car buying needs.

  • Easy and Secure

    And it takes just a few minutes to complete an application.

Apply with RoadLoans***

Browse More Auto Financing Options

New Car Financing

How Santander Consumer USA or RoadLoans can help you drive home your next vehicle. More details

Used Car Financing

How Santander Consumer USA or RoadLoans can help you purchase a quality pre-owned car, truck or SUV. More details

Chrysler Financing

How to finance or lease a new Fiat Chrysler (FCA) product through Chrysler Capital. More details

Quick and Easy Financing

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