Yeah, we know you have questions. You should! We have answers. If you don’t find the information here, feel free to give us a call or send an email. We want to make sure you have all the information you want and need to make a good financial decision.
This coverage covers the costs associated with unexpected repairs. Even minor repairs, with today’s technology, can cost thousands of dollars. Coverage includes parts, labor, and sales tax. You can choose any ASE Certified mechanic to fix covered repairs. We offer top-quality ESCs at competitive pricing. The cost of the ESC is added to your loan, raising your payment slightly, but when your vehicle needs repair, you’ll be darn glad you have it! Learn more about adding an Extended Service Contract to your auto refinance.
GAP is coverage that supplements your auto insurance. In the event your vehicle is totaled or stolen, GAP pays the difference between the value of your vehicle (which your insurance company will pay) and the outstanding balance on your loan (also known as the “gap.”) We hope it never happens to you, but in an already bad situation, GAP coverage can be a great option to reduce your financial risk.
Because we work with an industry-leading provider of GAP coverage and we complete lots of loans, we have negotiated a great rate. Your cost can be lower than you might be able to get through a car dealership or other lending programs. The cost of the GAP coverage is included in your loan, and only adds a few dollars to your monthly payment. If you already have GAP coverage, we can help you cancel it. By law, your current GAP contract will not transfer to your new loan; however, you might be entitled to a pro-rated refund.
Yep. With their permission. The new loan will be evaluated based on the person or people who are applying. If you had a co-borrower, but don’t qualify without a co-borrower, we will let you know, based on your credit strength. Learn more about adding or removing a co-borrower.
When we are processing your application, we use a “soft pull.” We get your credit information, but it doesn’t affect your credit score, and it doesn’t appear as an inquiry on your bureau. If you approve us to submit the application to the Lender (after we have evaluated your application and discussed the proposed terms of the loan with you), the Lender will do a “hard pull.” If you are shopping around for a refinance loan, be careful because if there are too many “hard pulls,” if may affect your credit score. Not every refinance program does a “soft pull,” like RefiJet does. Many competitors also submit your application to multiple lenders, which can create multiple inquiries on your credit bureau.
Loan terms vary depending on your credit situation, your vehicle, and other criteria. While we can’t tell you in advance what they could be, we can tell you that we work with multiple Lenders, so we have lots of options to evaluate for you. If you let us know what your priorities are, we will identify the best options for which you qualify. We can probably help you find terms that fit with what you want. If we can’t, we will tell you why.
Where should we start?? The fact that we are highly rated by consumers who have already worked with us is a good reason (See Lending Tree, where we are consistently highly-rated, including being rated Number 1 by consumers over a long period of time.) We offer refinance loans from multiple lenders, which increases the chance that we can find an option that meets your needs. We pride ourselves on providing fast, high-quality, customer-focused service that makes sure we protect you and your information, offers you the best possible loan for which you qualify, and makes sure you understand the terms of the loan. We are also accessible, fun to work with, and focused on your satisfaction. Should we go on? We could, but the best way is to contact us and experience how we work. We are confident you will be happy with our process, our people, and our options.
Not much. We will need your social security number (which we protect in our secure systems), some basic info on your work and residence, pictures of your driver’s license(s) and current registration, proof of valid insurance, and the vehicle’s current mileage. We also make it really easy and secure for you to get all that info to us.
Let us know you are interested in exploring your options. Your personal loan concierge will talk you through the process of collecting your information (including doing a soft pull of your credit bureau information) and documents (such as a copy of your driver’s license). Almost instantly, you will hear about the options for which you qualify. Most likely, you will be provided with some options for loan structure (APR, loan term, monthly payment, etc.) along with information about your options for Guaranteed Asset Protection (GAP) and Extended Service Contract coverage that can be included in your loan. You let us know what works best for you and then, with your permission, we will submit the application to the appropriate lender. All this can be handled in one phone call! Once approved, which also happens quickly, we fill out the paperwork (really!) and send it to you through a highly secure system that protects your personal information and data. You sign and return the documents, and then we work with your new lender to handle paying off your current loan and updating your title paperwork. Then, you just start making your loan payments to the new lender. Boom, you’re done.
You can finance a personal (not commercial) vehicle that is less than 10 years old (based on the model year) and has 150,000 or less miles. We can also refinance most motorcycles and recreational vehicles.
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