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Is it possible to refinance two car loans into one?

I just got my second car loan, but the payments are on dates that don't line up with my paychecks. Can I refinance the two loans into one for easier payments?

Eric Schad · Updated on Nov 15, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

Yes, it’s possible to combine two

into one, but it’s not called refinancing. It’s called auto loan consolidation.

If you have the right credit history, credit score, and income—and you likely do, considering you already have two auto loans—consolidation shouldn’t be an issue.

To consolidate your car loans, follow these steps:

Shop around consolidation rates with the usual lenders (banks, credit unions, online lenders)

Gather all the information on your existing car loans (interest rate, balance, remaining time on each loan, etc.)

Apply at the lender with the best rates

After you apply, you’ll need to gather the following information:

Proof of insurance

Proof of residency

Proof of income

During the consolidation process, you may also want to take a glance at your

. With the

app, you can compare dozens of competitive quotes to find the best savings and free up extra cash to make paying off your loans easier.

MORE:

New car insurance: What coverage do you need when buying a new car?

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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