Logo

How do I submit documents for auto refinance loans?

less than a minute read

Once you’ve submitted your application, we’ll try to confirm your information on our own. Sometimes, you may need to submit a few documents to confirm your identity, income, or vehicle ownership. For some documents, you can upload a screenshot or copy to your To-Do List. If you initiate a title transfer, we’ll need documents mailed to us.

Documents you can upload to your To-Do List

  • Driver’s license—a current and valid state-issued driver’s license.

  • Proof of registration—the registration for the car you’re refinancing. To prevent delays, ensure that your registration is up to date and that you’ve paid all outstanding fees.

  • Proof of insurance—the insurance card for the car you’re refinancing. Ensure your name, vehicle identification number (VIN), and policy number are clearly visible. LendingClub requires that you carry full-coverage insurance on your car. Full-coverage insurance includes comprehensive and collision coverage.

Learn how to upload documents.

Documents to mail using a prepaid shipping label

  • Title transfer documents—enables LendingClub to transfer your car title from your previous lender to us. A limited power of attorney (LPOA) shows that you’ve authorized the title transfer. Once we’re ready for the title transfer, we’ll email you a form to print out and sign. You can then mail the form back to us using the prepaid shipping label we provide. In some cases, your LPOA may need to be notarized.

Learn more about title transfer documents.

LendingClub Resources

Related Articles
Auto loan refinancing is when you use a new car loan to pay down your old loan—often with a lower monthly payment or interest rate. 
Apr 7, 2025
7 min read
Girl learns how to refinance a car and save money
Your credit score may be impacted when you refinance your auto loan thanks to a hard credit check, but the effects are typically short-lived.   
Mar 19, 2025
6 min read
girl in a car
The total cost of owning a car includes the purchase price, interest on loans, insurance, fuel, maintenance, repairs, taxes, registration, depreciation, and unexpected expenses.
Feb 5, 2025
3 min read
couple in car
Should you lease or buy your next car? Leasing costs less on a monthly basis and puts limits on how you can use your car. Buying comes with ownership responsibility but will cost you less in the long run.
Jan 15, 2025
7 min read
Leasing vs. Buying a Car: Which Option is Best for You?
Timing matters when refinancing an auto loan. So before opting for a new loan, make sure you understand when it’s a good idea to refinance and when it’s better to wait. 
Dec 21, 2024
6 min read
woman looking at phone in car
Related FAQ's
Once you submit your Auto Refinance application, we may ask you for additional paperwork to verify your information.
Jun 7, 2023
2 min read
An important step in refinancing your auto loan is updating your vehicle title with your new lender's name.
Jun 7, 2023
less than a minute read
Before wrapping up your auto refinance loan, you’ll need to review some important documents and sign your Truth in Lending disclosure (TIL).
Jun 7, 2023
less than a minute read
At LendingClub Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track.
Feb 12, 2025
5 min read
If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it.
Feb 6, 2025
less than a minute read
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
Sep 6, 2023
4 min read
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 min read
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
Mar 21, 2023
4 min read
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
Feb 7, 2023
3 min read
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
Feb 4, 2023
3 min read

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

LendingClub,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

© 2025 LendingClub Bank. All rights reserved.