Advertiser disclosure: RefiMeNow is a comparison marketplace, not a lender. We receive compensation from network lenders, which may affect placement; our featured partner leads any list it qualifies for. How we rank
If your car is worth more than you owe, a cash-out refinance converts part of that equity into money while resetting your rate, secured pricing that typically runs far below credit cards or personal loans.
Cash-out is a program, not a given: these are the network lenders that offer it, ranked.
Best overall for cash-outFeatured partner
5.24%
Est. APR from
550+
Min credit
2-5d
Funding
Consumers Credit Union combines cash-out with nationwide reach, open membership, and the network's deepest credit union floor at about 550. The advisor prices the cash and the new rate together so you see the whole trade in one view, and the same institution can handle a lease buyout or co-signer change if your situation shifts.
Fastest cash in hand
4.99%
Est. APR from
560+
Min credit
1-3d
Funding
When the reason for the cash has a deadline, Mountain America's 1 to 3 day typical funding is the difference between solving the problem this week and next. Published 4.99% floor with checking discount; Mountain West footprint applies.
Best for large equity positions
5.24%
Est. APR from
560+
Min credit
3-5d
Funding
DCU's published range to $500,000 makes it the natural home for high-value vehicles carrying serious equity, and its electronic payment discount trims the rate on the bigger balance you are choosing to carry.
Best equity allowance
4.99%
Est. APR from
560+
Min credit
2-5d
Funding
America First's lending up to 125% of Kelley Blue Book is the most generous published allowance in the network, which translates directly into how much of your equity you can actually tap. Mountain West footprint, newer vehicles.
Best for Colorado
5.39%
Est. APR from
580+
Min credit
2-5d
Funding
Colorado drivers get cash-out with local underwriting and statewide branches through Ent, the state's largest credit union, with member discounts sharpening the rate.
See how much cash your car could free up
See my cash-out offersBorrow against the car deliberately
The best cash-out swaps expensive debt for cheap debt or covers a genuine one-time need. Rolling a 24% card balance into a secured single-digit rate is math that works; funding everyday spending against your car is math that does not.
Take less than the maximum. Lenders cap loan-to-value precisely so one rough month does not leave you underwater, and a cushion of your own beats theirs.
We ranked the network lenders offering cash-out by availability, equity allowance, speed, and estimated pricing. Cash amounts depend on your equity and each lender's loan-to-value limits; figures are representative estimates unless published. Read our full methodology
Frequently asked questions
How much cash can I get from my car's equity?
A portion of the gap between your car's value and your balance, set by each lender's loan-to-value cap. America First publishes the network's most generous allowance at 125% of Kelley Blue Book.
Is cash-out cheaper than a personal loan?
Usually, because the vehicle secures the loan. Secured rates typically run well below unsecured personal loans and far below cards.
Which lenders offer cash-out in the network?
Consumers Credit Union, Mountain America, DCU, America First, and Ent. The match screens your state and equity automatically.