Jose Luis Pelaez Inc/Getty Images LendingClub has been in the peer-to-peer lending marketplace since 2007. The company offers fixed-rate personal loans, auto loan refinancing, and more loan services. You can refinance an auto loan of up to $55,000 with interest rates starting at 3.99%. Need to refinance an auto loan? Get a quote from LendingClub today » If your car payment feels too high and you've improved your credit score since you took out your auto loan, refinancing may be a smart option for you.