Members save more than $2,200 on average by refinancing their auto loan¹

Check Your Rate

Checking your rate won't impact your credit score²

You could save thousands of dollars
over the life of your loan¹

Our online refinancing process makes it fast and easy.

Check Your Rate in Minutes

Quickly see the offers that you could prequalify for.

Lower your monthly payments

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

application-loan-fast

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!

"A few steps and I saved a bunch of money. Completely painless!³"

– Jason, a member from New Jersey

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88 Kearny Street, Suite 600
San Francisco, CA 94108

¹Members save over $2,220 on average by refinancing their auto loan. Based on the average experience of similarly situated borrowers who refinanced their existing auto loans (“Original Auto Loans”) with Auto Refinancing Loans from Happen Bank (“Auto Refi Loans”) between January 2025 and June 2025. For this period, the average estimated remaining interest charges of Original Auto Loans was $9,007, and the average potential interest charges of corresponding Auto Refi Loans obtained by borrowers was $6,787. which represents a reduction in potential interest charges of $2,220. 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.
²Checking 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.
³Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
⁴Based 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.

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and 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. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, credit usage and history, vehicle loan-to-value (LTV) ratio, and other vehicle characteristics.

Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, and loan term length.

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. Availability of specific loan amounts, rates, and terms may vary by 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.

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 06/22/2026 and may change at any time without notice.

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 will 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.

Existing Loan Restrictions
Auto refinancing loans are only available for existing auto loans that have 24 months or more remaining on the term. GAP waiver or insurance coverage, if any, on your prior loan or retail installment contract may be impacted. Consult your GAP agreement or policy, or contact your GAP provider or insurer for more information. Additional existing loan restrictions may apply.

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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