Start saving today with a lower car payment

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See if I Pre-Qualify

Checking your rate won’t impact your credit score.¹

Members save more than $2,900 on average by refinancing their auto loan.²

Lower your monthly car payment

Our online refinancing process makes it fast and easy.

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APRs as low as 4.49%³

Lower your monthly payments

Flexible terms and great rates that could lower your monthly payments.

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Simple, easy process

Our online application makes refinancing easy and fast.

Check Your Rate

How auto refinance works with Happen Bank

Check your rate

After you tell us a little about yourself and your vehicle, you’ll instantly receive multiple auto refinancing offers, if you qualify.

Confirm your details

Select the offer you like best and complete our easy online application. In some cases, we may ask you to send additional documents or details about yourself or your car.

Drive off with savings

If your loan is approved, we’ll take care of paying off your previous lender. That’s it—your auto refinance is complete!

Simple, quick & easy!

"I got a great rate and lowered my payment by almost 200 dollars. It was easy to apply and there were no hassles."³

—Rose, May 2019

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88 Kearny Street, Suite 600
San Francisco, CA 94108

¹Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.
²Based on the average experience of borrowers who refinanced their existing auto loans (“Original Auto Loans”) with Auto Refinancing Loans from Happen Bank (“Auto Refi Loans”) between April 2026 and June 2026. For this period, the average estimated remaining interest charges of Original Auto Loans was $9,082, and the average potential interest charges of corresponding Auto Refi Loans obtained by borrowers was $6,152, which represents a reduction in potential interest charges of $2,930. This reduction reflects the terms of Auto Refi Loans actually obtained by borrowers, not the terms of Auto Refi Loans offered to but not selected by borrowers. Reductions in potential interest charges are determined based on (a) our understanding of the APRs of Original Auto Loans, and (b) the corresponding APRs of Auto Refi Loans obtained by borrowers. Claims related to reductions in potential interest charges assume that Auto Refi Loans will be paid as agreed, and are for illustrative purposes only. They do not directly relate to any estimated APRs, monthly payment amounts, or savings amounts communicated to you in connection with a specific Auto Refi Loan that we may advertise to you or that you may obtain from us. Depending on the state where you live, tax, title and other fees may apply, which could impact your total savings.
³Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. This is one person's experience. Individual results may vary.

Representative example of Auto Refinance loans.
Loan amounts range from $4,000 up to $100,000, with terms between 24 months and 84 months. Availability of specific loan amounts, rates, and terms may vary by credit profile and state. Loans of $7,500 or less without an origination fee. A representative example of payment terms for an Auto Refinancing Loan is as follows: a borrower receives a loan of $ $7,500 for a term of 60 months with an APR of 7.00%. In this example, the borrower will make 60 monthly payments of $149. Loans greater than $7,500 with an origination fee. A representative example of payment terms for an Auto Refinancing Loan is as follows: a borrower receives a loan of $20,000 for a term of 60 months with an APR of 7.51%. In this example, the borrower will make 60 monthly payments of $399.

Vehicle Restrictions
Auto Refinancing loans are generally available for vehicles that are 10 years old or newer (based on vehicle model year) and have 120,000 miles or fewer. The most well-qualified borrowers may be eligible for loan amounts up to $100,000. Additionally, well-qualified borrowers may be eligible with vehicles having up to 150,000 miles and vehicles that are up to 13 years old. Loans are not available for recreational vehicles, motorcycles, vehicles with branded titles, bonded titles, or reconditioned titles, hail-damaged or salvaged vehicles, domestic trucks branded with a ‘3500’ designation or with a rated payload capacity of one ton or greater, conversion or cargo vans, snowplow-equipped vehicles, or any vehicles used for livery, rideshare, or any other commercial purpose. Loans are not available for the following vehicle makes and/or models: Hummer, Pontiac, Saab, Saturn, Daewoo, Isuzu, Suzuki, Oldsmobile, and Nissan Leaf. At the time of application, your vehicle must be registered in the state where you live. We do not accept applications for auto refinancing loans from AK, HI, ME, NH, ND, VT, WV, WY, Washington, D.C., and the U.S. territories. Additional vehicle restrictions may apply.

For Auto Refinance Loans, APRs range from 4.49% to 24.99%. A $150 origination fee is charged for all loans over $7,500. No origination fee is charged for loans of $7,500 or less. APRs are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are current as of 09/22/2026 and may change at any time without notice.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.  
“Happen” and the “H” symbol are trademarks of Happen Bank.

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