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

Customer Consent to Receive Account Information Electronically

The Electronic Signatures in Global and National Commerce Act requires your consent to receive certain disclosures electronically. Please read this section carefully and retain a copy of this document for your records.


Some communications and disclosures with and by on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. However, if you wish to obtain a paper copy of any disclosure to your offer and/or loan/finance offer request, you may write to Yield Solutions Group, LLC (dba at 7555 E. Hampden Ave., Ste. 500, Denver, CO 80231. We will not charge you a fee for a paper copy of the Disclosures you request. RefiJet does not provide any Lenders’ disclosures. reserves the right, in its sole discretion, to stop providing Disclosures electronically. will provide you with notice of any such termination as required by applicable law. If chooses to stop providing Disclosures electronically, will send any future Disclosures to you in paper form.


The applicant and any co‐applicant (collectively, “you”) must consent to receive Disclosures electronically in order to complete the loan/finance offer request process with on behalf of its participating Lenders (as defined above). Your consent will apply to Disclosures you receive from, its successors and assignees, and any Lenders. You may withdraw your consent for receiving electronic Disclosures by notifying at Since is structured to provide some loan/finance offer request related information electronically, not consenting, or withdrawing your consent to receive electronic Disclosures may terminate your loan/finance offer request process. You may withdraw your consent to do business electronically with our participating Lenders at no cost to you. You may do so by contacting the Lender at the mailing address, e‐mail address or telephone number they provide to you separately for such purpose.


In order to use this service, you must consent to receive disclosures including but not limited to the Terms of Service and Privacy Notice electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.

If you have access to this website, you have suitable hardware/software to access and retain electronic documents.

This consent is valid until revoked by either party.

Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.


This average monthly auto loan payment savings reflects loans where the borrower chose to lower their monthly payment. Not every auto refinance is intended to lower monthly payment. These savings are not guaranteed. Individual savings and rates may differ.

2018‐10‐08 02:30PM MST