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Talk to our team to start saving 800.260.5355
$64less each month*
$768less each year*
* Illustration only, based on the numbers you enter and the same loan term. This is not an offer, a rate quote, or a credit decision. Nothing you enter here is saved or sent.
*Estimated savings are based on the information available at the time of inquiry and current market rates. Your potential savings will depend on your credit profile, vehicle value, current loan terms, and the rate offered by the new lender. Past performance does not guarantee future results. RefiJet does not guarantee any specific savings amount.
Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. Final APR is calculated based on the lender’s final terms. This is based on your credit profile, loan amount, term, and vehicle information. Rates and terms are subject to change and may vary by lender. Not all applicants will qualify for the lowest rate advertised.
Tell us about you, your car, and your current loan. It helps to have your ID, proof of income, and your VIN handy.
A dedicated RefiJet representative reviews options across our lender network and talks with you to find the loan structure that best fits your needs.
Once you're approved, we do the paperwork and always facilitate paying off your old loan.
Eligibility requirements apply, and approval isn't guaranteed. See the full list in the FAQ below.
New loan terms can mean a smaller bill each month, which frees up room in your budget.
Learn moreIf your credit has improved or your first deal wasn't the best, you may qualify for a better rate.
Learn moreOwe less than your car is worth? You may be able to take cash back for other needs.
Learn how cash-out refinancing worksShorten your term to pay it off sooner, or stretch it for a lower payment. You pick what fits.
Learn moreWhen life shifts, refinancing may ease your budget, and the process may include a short break from payments.
Learn moreHas your situation changed? You can refinance to add someone to your loan or take someone off.
Learn moreRefinancing replaces your current car loan with a new one, usually with the goal of getting a lower interest rate or better terms. The new loan pays off your old one, and you start making payments to the new lender.
A dedicated RefiJet representative reviews options across our lender network and talks with you to find the loan structure that best fits your needs. Then we do the paperwork, and we always facilitate paying off your old loan.
Approval isn't guaranteed, and final terms depend on your application and the lender.
Requirements include:
Other requirements may apply, and approval isn't guaranteed.
It helps to have these ready:
For the full list of documents and requirements, see Documents Needed & Eligibility.
When you submit a full application to lender(s), it will result in soft and/or hard credit pull(s), which may impact your credit score. Multiple hard inquiries for auto loan purposes within a 14-day window are typically treated as a single inquiry by credit scoring models.
Making on-time payments on your new loan may help your score over time.
Refinancing typically takes a few days to two weeks. The timeline depends on how quickly you provide the documents you need and on the lender.
It depends on your current interest rate, your loan balance, and the terms of your new loan. Use the quick estimate at the top of this page to see an illustration for your situation, or try our full auto refinance calculator to see how a longer loan term changes your payment and the interest you'd pay.
There's no fee to apply with RefiJet. Depending on your state and lender, other fees may apply to a completed refinance. These fees will be disclosed and are included in the loan. No cash out of pocket is required for any fees.
To see what refinancing can cost, read How Much Does It Cost to Refinance a Car?
If you live in a title-holding state, you'll need to send your title to RefiJet to complete the refinance. If you don't have it, we'll guide you through getting a copy, usually from your department of motor vehicles or county tax office. If your current lender holds the title, we'll handle getting it from them, and they release it once your old loan is paid off with the new loan.
If you're adding or removing a co-borrower, the title has to reflect the new ownership. RefiJet will guide you through the process, including working with the state DMV and both lenders on your behalf.
GAP insurance and extended service contracts are optional products that may be available with your refinance.
This is a general description only. Actual coverage, terms, and costs are defined as part of the process, and your representative can walk you through the details.
Start your application online. A dedicated RefiJet representative will review your options across our lender network and work with you from there.
