Auto Loan Refinancing

RefiJet provides an easy, personalized Auto Loan Refinancing process.  You work with a live Financial Service Representative (FSR) who will not only give you his/her name, but also the direct contact number!  You don’t have to set up an account, remember login info, enter data, or try to figure out complicated forms.   All you do is talk to us by phone to provide your application information, upload some documents to support your application data, then choose the option that works best for you and sign the documents we create and provide.

Our goal is to put you in the best position for which you qualify for a new auto loan refinance. This means making sure we accurately describe all your options and let you pick what works best for you, while we do most of the work!  Specifically, here is what is involved in each step of the auto loan refinance process.

Applying For Auto Loan Refinancing

The first step of the auto loan refinancing process is a short call with one of RefiJet’s Denver, Colorado-based expert Financial Services Representatives.  During which we will ask for general information such as your address, contact info, employer, and income.  When you provide us with your VIN and odometer mileage, we will look up your vehicle value.  Then, with your permission, we take your social security number and enter it into our secure system. Then our system reviews your credit bureau report with a soft pull, so it doesn’t affect your credit.

Our customized system evaluates your credit history, qualifications, and collateral info against multiple lenders’ lending criteria.  It defines the various options for which you may qualify.  You have the opportunity to refine the search by letting us know your goals. Our clients typically are looking to obtain the lowest monthly payment possible or the lowest APR possible. During the same call, in most cases, your FSR will explain the best loan options for your unique situation.  If you qualify, we will also explain other options, such as adding Guaranteed Asset Protection and an Extended Service Contract to your loan.

If you would like to apply for a loan, click here.

Stips – the Documents You Need to Refinance Your Vehicle

Lenders need to see “stips,” which are documents that support the application data.  Typically, they require at least a copy of your driver’s license (which must be current up to at least 30 days, depending on the state), your registration (which also must be current up to at least 30 days, depending on your state), and proof of insurance.  In some cases, depending on the lender and other factors, such as your credit score or type of income or if you are doing a lease buy-out.  The lender might also require other documents, such as your original lease or proof of income, employment and/or residence.

Depending on your state of residence, additional documents, such as your original title, may be required.  Usually, we can let you know upfront what will be needed.  In some cases, additional stips might be needed after we hear back from the lender.  We provide a secure online portal where you will upload your documents (except an original vehicle title) from your smartphone or computer.

Learn More About the Documents Always Needed For an Auto Refinancing Here. 

The Auto Loan Refinancing Approval Process

Once you pick the loan option that works best for you, and again with your permission to submit the application to a specific lender. The lender will then do a hard pull your credit, we submit the application to the lender for their decision and final terms.  The lender will review all the application data and “stips” we provide as well as review a hard pull of your credit bureau report.   Once we have the lender’s formal decision back, which could be virtually instantaneous, we will review all the terms of the loan with you to make sure you fully understand.

Sometimes the terms of the loan may be somewhat different than what RefiJet presented, but we will always define the proposed terms and options to you.  It’s always your decision about how to proceed.  Of course, if the lender declines the loan, we will you know and, if possible, present you with other loan options to consider.  When a lender declines your application, they will send you an Adverse Action letter that defines the information they reviewed and the reason for the decline.

Auto Loan Document Signing

If you decide to move forward with a refinance loan, we will create your loan documents from our system, then email you a link to access the documents through a secure portal.  You can access them from your phone or computer.  Some lenders and documents support electronic signature within the secure portal.  Other documents need to be printed and signed.  In some states, some documents need to be notarized, as well.

We understand that loan documents can be confusing and it’s not always easy to see where to sign, so we provide an experienced Loan Document Specialist who will set an appointment with you to do a “doc walk.”  This means we will be on the phone with you while you review your documents.  Your FSR will describe what each document is, describe each and every item and the specific costs included in the loan, and tell you exactly where to sign (and notarize, if needed).  We encourage you to thoroughly review the loan documents and to save or print copies for yourself.  Then, when you are done executing the loan documents, you just go to a convenient UPS store and use the pre-paid mailing label to mail documents back to us.

Auto Loan Funding

When we receive the executed loan documents back, our team of Funders reviews them to make sure we have all the required documents, that there weren’t any changes on them, and that they were properly executed.  If there are any issues, we will call you to discuss what needs to be corrected.  When the loan package is complete and accurate, we provide it to the lender, who provides RefiJet with the funds for the loan.  RefiJet handles all aspects of paying off your previous lender, activating Guaranteed Asset Protection and Extended Service Contract if you chose to obtain those products, and handling the title transfer to reflect the new lender.

Product Cancellation

If you had GAP and/or ESC on your previous loan and need to cancel them, make sure to contact the previous provider.  You may be due a pro-rated refund on those products when you cancel them.

New Car Loan Payment

Your new lender will contact you regarding making your new loan payment.  Make sure to note the new amount and new payment due date.

Get Started Now.

Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 


Some communications with and disclosures by Yield Solutions Group, LLC dba (“” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Noticeloan documents and disclosures that we provide to you on behalf of any Lenderand any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting. reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form. will provide you with notice of any such termination as required by applicable law. If chooses to stop providing Documents electronically, will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   


You must consent to receive Documents electronically in order to complete the credit inquiry process with and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  


In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  


In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contaithe PDF loan documentsYou will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us