When you refinance with Second Chance Now, you're getting a second chance at the better terms you deserve. We find you a new loan with a lower rate and payment, and pay your old loan off in full.

No, you don’t have to wait 6 months to refinance. Even if the dealership told you otherwise. Many people qualify to refinance right away if they have prior auto loan history. Not sure? Give us a call!

A more affordable payment and lower interest rate are great, but did you know there's more benefits to refinancing your auto loan? With Second Chance Now, you can:

-Skip a payment ( or 3)

-Get cash back

-Switch to a better lender

-Lower your debt-to-income ratio

-Pay your loan off faster

-Avoid prepayment penalties

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.

Yes! Buying out your lease and owning your vehicle is easy with Second Chance Now.

state and lender limitations may apply

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

It's your loan, pay it off on your terms! We only work with credit unions, so when you pay extra on your loan it goes right to principle, no interest. This means you can pay it off faster AND pay less interest!

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 got you covered. When you refinance with Second Chance Now you have a wide range of options to keep your investment protected, and your hard earned cash where it belongs - your wallet.

You can! With Second Chance Now you get to choose who will be on the new loan.

At Second Chance Now, we've eliminated the sales role entirely. Unlike our competitors, none of our employees earn a commission when you refinance with us. Why? This ensures you get unbiased, expert service from our team.