At Second Chance Now, we see past credit score. We see people. Everybody deserves fair refinancing terms, regardless of their current situation. We are built around giving second chances, down to our name. By partnering with lenders that understand our mission we give you a chance to get approved - even if your credit is down. We’re the experts at it.

There’s hope! Most refi companies cater to top tier credit, so if you’ve been declined just know you are not alone. Our unique network is designed for customers just like you.

We work fast - you can expect an approval within hours and payoff check sent out within just a few days.

Oftentimes, YES! When you go to a dealership and finance a car there is more than just the car that goes into your loan. Dealers often include additional products such as GAP insurance and extended warranties. These are nice to have, although dealers will often add huge mark ups to make an extra buck. When Second Chance Now refinances your loan you can often cancel these - and get the refunds in cash! Don’t worry, we still have you covered. We can often provide new coverage for not only cheaper but better coverage as well. Our experts will analyze your current loan to determine if you may be eligible, as well as guide you through exactly what to do.

All you need is license, insurance, registration, 2 most recent paystubs. Don’t worry - we don’t need these upfront, only once we begin processing your loan. To make refinancing easy we provide multiple secure ways to upload.

-Lower your car payment

-Skip a payment ( or 3)

-Lower interest rate

-Don’t like your current lender

-Bad deal at the dealership

-Cash back

-Lower your debt-to-income ratio

-Pay your loan off faster

-Avoid prepayment penalties