{"id":9924,"date":"2022-12-19T14:34:10","date_gmt":"2022-12-19T19:34:10","guid":{"rendered":"https:\/\/ironhorsefunding.com\/?page_id=9924"},"modified":"2025-03-24T16:58:07","modified_gmt":"2025-03-24T20:58:07","slug":"refinance","status":"publish","type":"page","link":"https:\/\/ironhorsefunding.com\/refinance\/","title":{"rendered":"Refinance"},"content":{"rendered":"\n

\n\t\tRefinance Your Motorcycle, Powersports, or RV Loan\n\t<\/h1>\n

\n\t\tFind A loan to fit your finances\n\t<\/h3>\n\t\t\t\n\t\t\t\t\t\t\tAPPLY NOW\n\t\t\t\t\t<\/a>\n\t

Prequalify with No SSN Required, No Credit Impact, and No Commitment.<\/p>\n

\n\t\tThinking of Refinancing Your Motorcycle, RV, or Powersports Loan?\n\t<\/h2>\n\t

If you’re paying too much for your loan, see how much you could save every month by refinancing.<\/p>\n

\n\t\tUpdate your rate\n\t<\/h3>\n\t

If your credit score has improved since your initial loan or you have a same-household co-borrower to add to your loan, you could qualify for a better rate. Apply to refinance your motorcycle, RV, or powersports loan to see if you qualify for a better rate today!<\/p>\n

\n\t\tFlexible term options\n\t<\/h3>\n\t

Extend Your Loan Term:<\/strong> Are you looking for ways to reduce your monthly expenses and free up some extra cash? You may have a new purchase on the horizon, expecting an addition to the family, or furthering your education. Refinancing your motorcycle, RV, or powersports vehicle to extend the term of your loan could provide the relief you need.<\/p>\n

Reduce Your Loan Term:<\/strong> If you are looking to get out of debt faster or planning a big purchase, refinancing to reduce the loan term (read more about the length of loans here<\/a>) could help. If you can afford higher monthly payments, you could save big on interest in the long run.<\/p>\n

\n\t\tNo Payment for Up to 45 Days\n\t<\/h3>\n\t

You deserve a break! When you refinance your motorcycle, RV, or powersports vehicle through Ironhorse Funding you could qualify for up to 45 days before your first payment is due.<\/p>\n\t\t\t\t\"refinance\n

\n\t\tMotorcycle, Powersports, RV Refinance FAQs\n\t<\/h2>\n\t

WHAT IS YOUR LOWEST RATE?<\/strong><\/h3>\n

Rates vary based on a number of factors including credit score and loan amount. The best way to see what rate you qualify for is to apply for a refinance through our online prequalification application. Get instant rates if you qualify with no impact to your credit score and no commitment.<\/p>\n

WHAT CREDIT SCORE IS NEEDED TO REFINANCE?<\/strong><\/h3>\n

Ironhorse Funding qualifies applicants who have a credit score of 660 or above. Credit score is not the only factor in determining your qualification for a loan.<\/p>\n

I ALREADY HAVE\/HAD A LOAN WITH YOU. DO I STILL NEED TO APPLY?<\/strong><\/h3>\n

Yes. A refinance is a new loan and you must qualify for the existing program.<\/p>\n

I HAVE A 660+ CREDIT SCORE ACCORDING TO MY BANK\/CREDIT KARMA\/OTHER SERVICE BUT DIDN’T RECEIVE AN OFFER.<\/strong><\/h3>\n

There are many different scoring models available and scores will vary among them. Ironhorse Funding uses a TransUnion model to prequalify applicants so ensure your credit report is not frozen.<\/p>\n\t

HOW SOON CAN I REFINANCE MY MOTORCYCLE, POWERSPORTS, OR RV LOAN?<\/strong><\/h3>\n

You should have at least six to nine months of on-time payment history before you apply to refinance your existing loan.<\/p>\n

WHAT DOCUMENTATION WILL I NEED TO REFINANCE MY LOAN?<\/strong><\/h3>\n

Required documents will vary but most customers need to provide the following:<\/p>\n