Frequently Asked Questions

AutoShift Capital is a car loan refinancing service dedicated to helping drivers lower their monthly payments and save money. We work with a network of trusted lenders to find you competitive rates and terms that fit your financial situation. Our streamlined process makes it easy to see if refinancing makes sense for you.

Most car owners with existing auto loans can apply through AutoShift Capital. We work with borrowers across various credit profiles, though the best rates typically go to those with good credit history. Your vehicle should generally be less than 10 years old with under 100,000 miles, though exceptions exist.

To complete your AutoShift Capital application, you'll typically need your driver's license, current loan details (account number and payoff amount), proof of income such as recent pay stubs, and your vehicle's VIN and current mileage. Having these ready helps speed up the process considerably.

Yes, but most lenders through AutoShift Capital prefer you've had the loan for at least 6-12 months before refinancing. This allows you to establish a payment history. However, if rates have dropped significantly since your purchase or your credit has improved, it may still be worth exploring your options sooner.