Auto Loan Refinance

Put money back in your pocket.

Take Control of Your Auto Loan

If you’re looking to refinance your current vehicle loan, we can help. Check out our FAQs for more information and what you’ll need to refinance your existing auto loan.

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  • Copy of current registration or certificate of title
  • 15-day written payoff including mailing address for current lender
  • Insurance
  • Copy of government-issued photo identification for all borrowers
  • Due date, payment method, and frequency discussed with your loan officer

You may qualify for more than the current value of the vehicle. Your lender will be able to tell you the exact amount you qualify for.

Yes, you may borrower less, however you will need to provide the funds to satisfy the difference. Notify your lender if this is your intention. The funds must be guaranteed and Patriot will collect the funds to include in the payoff check mailed to the lienholder.

We will require a 15-day payoff including the name and mailing address of your current lender.

Contact the current lienholder (lender) or dealership you purchased the GAP policy from and inquire about any possible refund for canceling the policy.

The warranty is on the vehicle not the loan. Depending on the terms of the warranty you purchased, any remaining coverage should continue.

Patriot requires full coverage insurance on vehicles held as collateral. The maximum deductibles are $1,000 for comprehensive and $1,000 for collision. Patriot needs to be listed as lienholder on the policy. Coverage should be in effect when you complete your loan closing.

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