Cash-Out & Refinance
Tap your auto equity with a cash-out refinance, move an existing loan into better terms, or buy out a lease.
Up to $5,000,000 · Terms up to 180 months · Finance or lease, any dealer or private seller
Cash-out & refinancing
We won't ask, and you don't have to tell. Leverage the equity you've built to upgrade, or use the cash for whatever you wish, personal or business. Give us a call to learn your options.
What it is
A cash-out refinance lets you borrow more than your car's value and receive the difference in cash. You qualify with the equity you've built: the gap between the value and what you owe. Permitted uses vary by lender and program.
Use it for anything
Use the cash for any purpose you wish: paying off high-interest debt, making home improvements, or investing in your business.
Clear requirements
Up to 70% loan-to-value, a 680+ credit score (no exceptions), and a certified vehicle appraisal. We'll guide you through the documentation.
Know the trade-off
A cash-out loan increases your balance and monthly payment with added interest, so we'll make sure the numbers make sense for you.
Your collection is capital.
Your collection is capital. Pull liquidity from owned assets, move an existing loan into better terms, or buy out a lease, with the same human underwriting and full-service handling.
- Cash-out, refinance, and lease buy-out
- Pull equity from vehicles you own
- Terms up to 180 months
At a glance
- Loan amounts
- Up to $5,000,000
- Term length
- Terms up to 180 months
- Financing
- Simple-interest financing
Is this you?
- Pulling equity from vehicles you own outright
- Refinancing an existing loan into better terms
- Buying out a lease
Ways to use it
Whether you're buying your childhood dream car or seriously collecting classics, we get you.
Rated 4.9 out of 5 on Google
Estimate your monthly payment.
A quick, no-obligation estimate. Adjust the price, down payment, and term. We'll tailor your real numbers when you're ready.
Estimated monthly payment
$3,217/mo
Financing $200,000 over 84 months at 8.99% APR.
Estimated Payment Only. This calculator is provided for illustrative purposes only and does not constitute a credit application, approval, offer, commitment to lend, or guarantee of financing. The interest rate used is an estimate and may not reflect the rate for which you qualify. Actual loan terms, rates, monthly payments, and approval are subject to creditworthiness, vehicle eligibility, lender requirements, and other underwriting factors. Estimated payments do not include taxes, title, registration, insurance, or other applicable fees. Digital AutoFi does not offer or set the displayed terms. Please refer to our disclosures for additional information.
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Common questions.
Ready to unlock your equity?
Start online or call a specialist. A real person reviews every file, and most get a decision within the hour.
- Decisions in about an hour
- No application fees
- Available in all 50 states