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What do I need to apply?
The application itself takes about two minutes and asks for the basics: who you are, what you earn, and roughly what your current car loan looks like, who it's with, what you still owe, and what you're paying.
By Leverage Finance · Updated 17 July 2026
You don't need your loan contract in hand to start. If your application progresses to a lender, they'll typically ask for photo ID, proof of income such as recent payslips or bank statements, and your loan details. Everything can be handled digitally: photos and uploads, no printer required.
Our guide What you need to refinance a car loan has the full checklist if you like to have everything ready first.
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