Refinance and Save on Your Car Payment

Leave Your Money Where it Belongs

Refinance your auto loan with Mode and keep more money in your pocket!


Refinancing your car means replacing your current auto loan with a new one. The new loan pays off your original loan, and you begin making monthly payments on the new loan.


Your credit score has increased since you signed your original loan

term selection

You want to adjust your term

You want to lower your payment 

You think you might qualify for a better rate


How Much Could You Save on Your Monthly Payment?

Calculate your estimated auto loan monthly payment and savings by refinancing


Refinance Frequently Asked Questions

  • Mode is a faster easier way to refinance your auto online. And Mode is by GM Financial so it’s financing you can trust.
  • Read what our customers are saying about Mode and let’s see if we can get you a payment you’ll love.

To be eligible for a refinance with Mode, you must meet the following criteria: 

  • Current loan must have at least 12 months remaining 
  • Remaining balance must be > $10,000 
  • Vehicle must be no more than 9 years old and have less than 100,000 miles
  • You must be current on your auto loan payments 
  • Current loan cannot be financed by GM Financial or AmeriCredit

If you meet those criteria, you’re eligible to apply! Why not get started today and let’s see what we can do for you.

The process is easy with Mode.

  • Complete the prequalification application; no impact to your credit.
  • If you prequalify, we’ll direct you to the full credit application where we’ll ask you for a bit more information. Submitting this application will result in a hard hit to your credit.
  • Review and customize your offer. You’ll have the option of purchasing ModePlus GAP to help cover what insurance doesn’t in the event of a total loss to your vehicle and ModePlus VSC extended protection. You might know this as an extended warranty. You can include those payments right in your loan.
  • Upload any documents we may need, such as a copy of your Driver’s License or proof of income.
  • Sign your contract electronically and you’re all set!

Learn More About Refinance

Yes, You Can Refinance Your Car

When interest rates drop, one of the first things people think about is refinancing their house. But did you know you can refinance your car too?

Auto Refinance: What You Need to Know

Right now, you may be hanging on to your current ride a bit longer than you thought you would. It may have even crossed your mind to refinance your auto loan.

3 Reasons to Consider Buying Your Leased Car

Your lease has served you well and taken you where you needed to go...

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