Best Auto Refinance: Rates Are the Lowest in Years, Starting at 2.49%

And No Payment for the First 2 Months

RefiJet helps car owners lower their car payment an average of $150 a month**

Pre-qualifying for a refinance auto loan does not impact your credit score

Monthly Payment Claim: 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.

Are you thinking about refinancing your auto loan? Unsure which are the best auto refinance companies to work with? What are the best auto refinance offers out there? You’re not alone. It’s a long and sometimes hard process to determine who to trust to help you get into a loan that better fits your financial goals. RefiJet may be able to help you.

The best auto refinance for you may be just a few minutes away. To learn more about the loan options available to you, fill out the short form on this page. Which allows us to do a soft credit pull to gather your information. This soft pull will not harm your credit score. We’ll then provide you with available loans from leading financial institutions across the United States. You can then make a decision about which one is right for you. It’s that fast and simple.

Looking for the Best Auto Refinance?

What Makes for the Best Auto Refinance Companies?

How do you know which lender to work with when refinancing an auto loan? It’s not always that easy to know which option is right for you. RefiJet aims to give you options so you can pick and choose which loan and lender to work with to accomplish your goals.

There are two things to consider – the loan offers provided to you from the lender and the lender’s reputation. RefiJet works with a nationwide network of lenders. This includes various types of companies, including financial institutions like banks, credit unions, and specialized lenders. That may give you a few options to choose from when you request a refinance auto loan from us.

Before refinancing your auto loan, consider a few key things about the companies you are considering.

What does the lender have to offer to you?

When you use RefiJet, you’ll learn more about available loan offers from lenders who want to work for you. Be sure to consider this carefully.

  • Is the interest rate going to help you lower what you pay to buy your car?
  • Could the lender offer a longer term to help reduce your monthly payment?
  • Is the loan offer going to help you pay off your existing loan sooner, perhaps to help you save money?
  • Are you able to refinance an auto loan without a co-borrower? If so, that may help you reduce your dependence on others.
  • Could you add a co-borrower to your new refinanced loan? That may help you get a lower interest rate and qualify for a loan you want and need.



Your Estimated New Monthly Payment:

$ 465.13

Your monthly savings could be as high as $ 134.87 !

That's a total savings on your interest of $ 6,473.78.

***This calculator is a tool for estimating the monthly loan payment at different sample interest rates. The interest rate you input is not a promise or indicator of the actual interest rate for which you may qualify when applying for a refinance loan with RefiJet.

What do you know about the lender?

While it’s important to focus on the loan offers as a primary factor in determining the best auto refinance companies, you also may want to consider the company itself. Is it reputable? Does it have a long history of helping people obtain the auto loans they need? You may want to consider how easy the company is to work with overall. You can seek out reviews on lenders if you would like to as well.

Should You Refinance Your Auto Loan?

It is important to consider what options exist and how well they can help you in the long run. What’s your goal with refinancing your auto loan? Here are a few things to consider.

What is the interest rate of your original loan?

One of the reasons some people refinance their auto loan is to secure a lower interest rate. The lowest rates help you to save money if they are below what you are paying now. If you had a rate from a dealership, that’s pretty significant, refinancing to a lower rate may help you save money. It may cut down on the amount you pay overall to buy your car. Sometimes lower rates also lower your monthly payment. Lenders offering the lower rates may be available to you by refinancing with RefiJet.

What is the term of your existing loan?

Also, think about the current length of your loan. You may be able to get a longer-term length with some loan options. That means you’ll have more time to pay off the loan. Stretching it out like this may help you to secure a lower monthly payment. While you may pay more in interest with a longer term, you may find that beneficial if the current payment you have is just too high.

Has your situation improved to warrant refinancing?

Consider your financial goals. Could refinancing provide you with better terms or features that could help you save? That depends on your original loan as well as what’s changed. For example, you may have improved your credit score over the last few months or years. You may have had an increase in your income. You may also want to add or remove a co-borrower from your account.

Sometimes, refinancing an auto loan also allows you to add features like an Extended Service Contract or GAP. If you are in a lease right now and refinance your car loan, you end up purchasing your car. That may mean lower fees down the road. There’s a lot that a loan may be able to do for you based on what your goals are.

What is your car worth?

Another factor to think about as you consider whether to refinance your auto loan is the value of your car. Lenders need to know what your car is worth to determine if they can lend to you. For example, if you owe more on your car than the vehicle is worth, lenders may be unable to work with you. This is called an upside down auto loan. You may need to pay down some of what you owe before lenders will work with you. Your car may be worth less if there is damage to it or if it has a lot of miles on it. Some lenders cap mileage outright.

Also, some lenders have a minimum amount they will lend. If your auto loan is not worth that much, you may be unable to obtain the loan. However, you may be able to secure a larger amount on the loan and then use that extra money to help you with other financial needs. It is possible to get cash out for some refinance offers.

Every lender has specific qualifications and restrictions. Take a look at some of the common eligibility factors among our nationwide network of lenders before you move forward.

Auto Refinance Eligibility Requirements

These are some of the requirements needed to be able to pre-qualify for auto loan refinancing.

Auto Refinance Requirements

Are you employed or have a verifiable source of income?

Auto Refinance Requirements

Have you made your recent car payments on-time?

Auto Refinance Requirements

Your vehicle must be 10 years old or newer.

Auto Refinance Requirements

Your vehicle must have full coverage insurance.

Auto Refinance Requirements

You must have a valid vehicle registration.

Auto Refinance Requirements

You must have a valid driver's license.

Auto Refinance Requirements

How to Find the Best Auto Refinance Loans for You

Now that you are thinking about some of the benefits you may have from refinancing your auto loan, it’s time to consider how the process works. It may be a lot less complex than you know. Here’s what you can expect when working with RefiJet.

Your first step is to take a closer look at what you want and need from a new loan. Do you want a lower interest rate? Do you need a lower monthly payment? Once you know what you need, the rest is easy.

Fill out the form on the bottom of the page. It’s simple to complete, usually only taking a few minutes. You can always call our financial experts to gather more insight or have any questions you have answered, too.

After filling out the form,  we will ask you a few questions about who you are. We will also ask about your vehicle. In addition, we’ll request your permission to do a soft credit pull. This allows us to gather information about your credit report and credit score. However, it does not impact your credit score in any way. It’s a good way to learn about your options from lenders without having to hurt your score in the process.

The process takes just a few minutes. Once you complete it, we will present you with a list of available loans from lenders that are ready to work with you. You’ll see the details of these loans, including what you can expect from them for interest rates, terms, and more. We help you get these loan offers from multiple lenders when possible. That means you may see more than one offer. Lenders offering loans to you like this are ready to work with you.

Keep in mind that you’re under no obligation to accept one of these loans. You may be able to simply choose one that works for your needs, such as offering a lower monthly payment or better features that fit your lifestyle. That’s when you can decide what’s right for your needs. It’s fast and easy!

Simple Process

Talk to Our Auto Refinancing Experts

Our staff of financial experts is just like you: honest, hard-working, and they take great pride in their 5-star rating. Let them help you decide on the refinance option that works best for you.

Get Prequalified

We know you hate filling out paperwork, so we made the process super-easy. We’ll let you know all of your options so you can pick the loan that works the best for you. You can even get pre-qualified without affecting your credit score.

Decision Time

We present you with options from lenders that fit your situation. Then you choose the loan that works the best for you. We’ll do all the heavy lifting (we even do the paperwork) and submit it to the lender.

Why Choose RefiJet to Find the Best Auto Refinance Offers?

It’s easy. We are here to support you. We are committed to industry-leading customer service. You’ll see that in all of the transactions we have with you. We have an A+ rating with the Better Business Bureau. We also have the highest rating of any auto refinance company on LendingTree based on our customer service. We’re here for you.

Here are some common questions about our products and services and how you can make the best use of them.

What if I change my mind?

After seeing the available loan offers, if you decide that they may not be right for you, that’s okay. There is no obligation to work with any of these lenders.

Where do the loan offers come from?

We work with multiple lenders. These all come from our nationwide network of partner lenders who offer loans to a wide range of borrowers.

Do I have to have good credit to obtain a loan?

Our network of lenders offers loans to many borrowers based on various credit qualifications. If you are unsure if you may qualify for a loan, that’s more reason to use RefiJet. We only do a soft credit pull which doesn’t impact your credit score. As a result, you may be able to see what your options are without having to have a hard inquiry on your report to do so. Use our services to help you.

What should I look for when I consider an auto loan refinance?

Look at all of the information on the  auto refinance loan offers we provide to you. Read through the terms and conditions. Be sure to consider the lowest rate as well as the best features for the loan you need. Is there a prepayment penalty? Are you able to secure a loan that offers an affordable monthly payment to you?

RefiJet wants to help you through this process. The best auto refinance for you is one that helps you achieve your goals. Let us take a closer look at what options may be available to you, too.

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RefiJet is an auto-refinance company that specializes in offering personalized help & support to find consumers the best auto refinance loan for which they qualify. RefiJet partners with a national network of leading financial institutions & delivers quick quotes at competitive rates.

RefiJet has auto refinance solutions for you to:

  • Lower your monthly payment- $150 Average Monthly Savings*
  • Reduce your loan’s interest rate
  • Add or remove a co-borrower
  • Extend your auto loan for added flexibility
  • Buy out your lease
  • Get cashback from the equity in your car
  • Protect your vehicle with an Extended Service Contract
  • Minimize your risk with Guaranteed Asset Protection
  • Take a vacation from your next loan payment

Pre-qualify for a refinance auto loan in minutes with no impact to your credit score.

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