Can I convert my auto loan, and what do I need to get started?

Applies to: United States and Canada.

For the US auto-conversion route described here, your existing loan must be current on payments. Ijara offers conversion services across all 50 US states and all Canadian provinces. For a Canadian loan, confirm the payment-status requirements with the conversion team.

Use the page for your country: US auto conversion or Canada auto conversion. Tell the conversion team where you are located, that you already have an auto loan, and whether its payments are current.

What should I prepare?

Have your existing loan or retail-installment agreement and current lender information available. Ask the team for the document checklist and verified secure submission method for your application. Provide identification or other sensitive records only through that confirmed method.

The team needs to confirm whether the vehicle, lender and proposed arrangement can be handled. Service availability in your location and current payments do not themselves confirm acceptance or payment activation.

If you are behind on payments, explain that before applying or changing payment arrangements. If you need a lower rate or a different loan term, raise that at the start: the conversion service retains the existing loan's financial terms.