RefiJet Auto Loan Refinance and Lease Buyout Loans: 2023 Review
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Auto loan reviews

Auto loan refinancing
Auto lease buyout loan
The bottom line:
Best for applicants wanting a loan representative’s help with the refinancing process from beginning to end. Bad- or fair-credit borrowers may qualify.
Auto loan refinancing review

Not yet rated
on RefiJet's website
Pros
Offers pre-qualification with a soft credit check.
Some network lenders offer rate discount with automatic payment.
Available in all states.
Customer service available on Saturday.
Provides Spanish version of website.
Cons
Charges an origination fee of up to $395.
Fully online application not available for applicants who prefer it.
Best for applicants wanting a loan representative’s help with the refinancing process from beginning to end.
Full Review
Established in 2016, RefiJet is an auto loan aggregator that partners with a network of 20-plus lenders to provide auto loan refinancing, car lease buyout loans and cash-out refinancing. It does not offer auto purchase loans.
On its website, RefiJet describes the company's “high personalized process to facilitate auto refinance loans.” That process does not currently include a full online application. Borrowers instead work with a financial services representative by phone to provide application information, and this FSR remains their contact throughout the loan process.
Using this information, RefiJet matches applicants to lenders in its network and provides loan options for which an applicant may pre-qualify. This is done with a soft credit check and will not affect an applicant’s credit scores. Applicants select an option, which is then submitted to the lender for approval and may result in a hard credit check.
RefiJet also offers cash-out refinancing, meaning borrowers with vehicle equity may be able to receive cash with their refinance loan. Borrowers should weigh the pros and cons of cash-out auto refinancing.
RefiJet is an auto loan aggregator, meaning it works with a network of lenders to match borrowers to loans. Aspects of your loan — such as lender fees, service and how your personal information is used — will depend on the lender selected.
RefiJet may be a good fit for those who:
Want to compare loan options: Pre-qualification with a soft credit check will not affect applicant's credit score.
Prefer assistance with the loan process: Applicants receive one-on-one assistance from loan application and selection to title transfer paperwork.
Spanish-speaking applicants: RefiJet offers a Spanish version of its website, and Spanish-speaking representatives are available to assist.
RefiJet at a Glance
Note that aggregators like Refijet work with many different lenders, so the information provided is general and can reflect the high or low end available among their lending partners.
How does this loan compare?
Est. APR3.39-22.00% | Est. APR1.99-21.00% | Est. APR6.99-14.74% |
Loan amount$5,000-$100,000 | Loan amount$5,000-$100,000 | Loan amount$5,000-$100,000 |
Min. credit score550 | Min. credit score575 | Min. credit score660 |
Auto lease buyout loan review

Not yet rated
on RefiJet's website
Pros
Offers pre-qualification with a soft credit check.
Some network lenders offer rate discount with automatic payment.
Available in all states.
Customer service available on Saturday.
Provides Spanish version of website.
Cons
Charges an origination fee of up to $395.
Fully online application not available for applicants who prefer it.
Best for applicants wanting hands-on assistance through the lease buyout process, including the title transfer.
More from RefiJet
RefiJet also offers GAP insurance and extended service contracts, which can be rolled into a borrower’s loan.
Borrowers can also take advantage of resources on the RefiJet website, including auto refinance videos, a blog and answers to frequently asked questions.
RefiJet auto loan rates
Credit requirements vary by auto lender, but RefiJet’s lowest rates are typically available only to borrowers with good or excellent credit (a FICO score of 690 and above). With fair or bad credit you won’t get the lowest interest rates, which means your monthly payment and total interest paid will be more. You can check your credit score before applying for a car loan.
Loan example: According to NerdWallet's auto loan calculator that uses the VantageScore credit model, a borrower with a credit score of 300-499 (considered deep subprime), a $20,000 used car loan, repayment term of 72 months, interest rate of 18% APR and $0 down payment would have monthly payments of $456. One year later, if all payments were made on time, the borrower will have paid the loan down to a balance of $17,963. If the borrower is able to then refinance at 12% APR for the remaining 60 months, the payment would drop to $399 and result in interest savings of $3,394 over the life of the loan.
To review RefiJet, NerdWallet sent a survey requesting more than 60 data points and followed up with company representatives. This information was compared with other lenders that seek the same customer or offer a similar product.
Frequently asked questions
RefiJet is an auto loan refinancing company based in Denver, Colorado. The company was founded in 2016 and is accredited by the Better Business Bureau, where it has received an A+ rating.
RefiJet does not share or sell an applicant’s personal information for non-application-related purposes. More information is available in the Refijet privacy policy.
Currently RefiJet offers only auto loan refinancing, including cash-out refinancing and lease buyout loans.