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Applying for auto refinancing is not complicated at all. The process involves a quick application, which can be done online or over the phone, and usually you'll have a response within minutes.
When you apply for auto refinancing, be sure to have your current contact information and employment status available, in addition to the amount of money you need to refinance your current loan. You don't need the exact payoff balance of the vehicle when you apply, but be as accurate as possible in order to streamline the loan process.
For the quickest turnaround on your loan application, provide accurate and thorough information. This will enable the loan representatives to process your application faster. Be aware though that most lenders do not refinance their own loans.