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Best for: Borrowers with damaged credit who have been turned down by banks and credit unions

LoanCenter

LoanCenter — refinance option aimed at all credit types, quoted by a loan officer.

Min credit
Not disclosed
APR
Not published
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

"Not disclosed" means LoanCenter does not publish this on their public site. "No restriction" means LoanCenter explicitly states no limit.

Overview

LoanCenter refinances existing auto loans and states it works with all credit types, positioning itself for people whose score alone would get them declined elsewhere. The process starts with a short form and a phone number, and a loan officer walks you through term options.…

What’s great

  • States that all credit types are considered
  • Offers are reviewed with a loan officer who can show alternative terms

What to know

  • No published APR range, credit-score floor, vehicle age, mileage or state criteria
  • Requires handing over a phone number before you see any numbers
  • Also a title-loan originator — confirm which product you are being quoted

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Sources

Every figure on this page is sourced from LoanCenter's own published materials. Rates, eligibility, and terms can change — verify directly with LoanCenter before applying.

  1. [1]LoanCenter Auto Loan Refinance — accepts all credit types and quotes term options through a loan officer after a short phone-number form; no published APR range, FICO floor, vehicle-age, mileage or state criteria — LoanCenter (Wheels Financial Group, LLC)
    https://www.loancenter.com/refinance/auto-loan-refinance/
    Last checked: September 2026
  2. [2]LoanCenter home page — product menu covers auto loans, auto loan refinance, title loans, title loan refinance and personal loans — LoanCenter (Wheels Financial Group, LLC)
    https://www.loancenter.com/
    Last checked: September 2026