ReDrive helps Texans walk away from underwater or behind-on auto loans — without repossession, new debt, or cash out of pocket.
DriveTime, Carvana, Westlake, Credit Acceptance, and similar lenders
You bought it new or near-new. A few years later, the balance is thousands above what any dealer will give you on trade-in.
What seemed manageable on signing day is now squeezing rent, groceries, everything else.
Lenders move fast once you fall behind. A repo on your credit report follows you for seven years.
You can't trade out without cash you don't have. You can't sell privately for what you owe.
TitleMax, LoanStar, CashMax, and similar lenders
You've been paying faithfully for months, but you owe the same as day one. The way the loan is structured, you can't get ahead of it.
Title loans often run 100–300% APR. The longer you hold it, the more you pay in interest than you ever borrowed — with nothing to show for it.
There's no realistic path to paying it off. Each month you renew, pay the interest, and start over — stuck in the same place.
The lender holds your title. Miss a payment and they can repossess — and in Texas, you can still owe the difference after they sell it.
We review your loan in detail and structure the right program for your situation — a private agreement, in writing, under Texas law. No cash out of pocket to get started, and no dealer runaround.
You transfer the vehicle to us. We take over the monthly payments to your lender directly — on time, every month — until the loan resolves. You walk away with no payment, no balance, and no repo on your credit.
We pay off your title lender directly to clear the loan — often the same day you sign. You then make a lower monthly payment to ReDrive over a short term, giving you real breathing room instead of paying interest forever with nothing to show for it.
A 3-minute form: vehicle, current balance, monthly payment, lender. No SSN, no credit pull, no commitment.
Within 24–48 hours, we send a written offer matched to your situation — either a takeover or a title-payoff structure with clear terms.
Sign electronically, hand over the paperwork. We coordinate with your lender, file what's needed, and you're out of the loan.
Built for people the traditional auto-finance system has stopped serving. Run by people who actually answer the phone.
We're not a lender, refinancer, or dealership. Our process doesn't pull credit and doesn't get reported to bureaus. Your score stays where it is.
Installment-sale and limited power-of-attorney structures, written under Texas contract law. Everything's in writing, in plain language, and we walk you through every line before you sign.
Repo timelines move in days, not months. We deliver offers in 24–48 hours. Title Payoff cases can close same-day after signing; Take Over cases typically wrap in under two weeks.
Whoever you're financed with, there's a good chance we can help.
Auto loans3 minutes to fill out. Free, no commitment. We'll respond within 24–48 hours with a written offer matched to your situation.
Your information has been received and is under review. We'll respond within 24 hours with a written offer matched to your situation.