Best Car 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.

How do you find the best car refinance opportunities? If you dread making your car loan payment each month because it is so high or your balance does not seem to go down, it’s important to consider the value of refinancing. Think about continuing to pay that amount for the life of the loan. Will it take you a long time? How much will it cost you? If you qualify for a lower interest rate, that could save you money and heartache each month.

Interested in finding out more? It’s easy to determine what your options may be and who may offer you the best car refinance loan out there. Fill out the form at the bottom of the page now. Provide some basic information. We’ll do a soft credit pull that does not impact your credit score. Then, we’ll provide you with custom loan offers from our leading nationwide network of lenders. You can then decide which may work for you. It’s that simple.

Looking for the Best Car Refinance?

What Makes for the Best Car Refinance Option?

A financial institution may offer to refinance your existing loan into a new one. Refinancing allows you to obtain a new loan that pays off the current loan. When it does that, it may apply new terms and conditions. If those terms and interest rates are better than what you are paying now, it may make sense to you to refinance. Here are some reasons why you may want to consider refinancing.

Lower your interest rate

Refinancing may allow you to secure a lower interest rate. The interest rate you pay is the cost of borrowing money to purchase the car. The higher the interest rate is, the more expensive it is to do so. If you can obtain a lower loan interest rate than what you are paying now, it may help you in several ways.

  • It may help to reduce your monthly payment.
  • A lower interest rate may help you to save money on the overall cost you pay to purchase the car.

If you are paying too much every month because you have a high interest rate, refinancing your car loan may make sense to you.

Extend your term

The term of a car loan is the length of time you will make payments until the vehicle is paid off in full. Auto refinance loans may be able to extend (or sometimes shorten) your term length. That may mean you have more time to repay your debt. In this way, you may pay more interest over the long term because there is more time to build and compound the interest. However, extending the term may offer some benefits to consumers.

  • It may help to reduce your monthly payment.
  • It may make it easier for you to pay down your loan because you have more time to do so.

Buy out your lease

Another potential reason to consider the loan offers from online lenders is to get out from under a lease. If you currently have a lease on your car, you could be facing significant fines if you are over your mileage. You may have to pay a significant amount of money, and you still may not own your car. You can refinance your lease into a car loan. That means you will continue to make payments, but eventually, you will own your car. This may help you if:

  • You like your car and want to own it rather than give it back to the dealership.
  • You have sizable fees from being over the mileage that you don’t want to have to pay back to the leasing company.

Get cash back from the car

Some people have a valuable car that does not have a large loan on it. Depending on what your car is worth, you may be able to refinance your auto loan into a new one. That may mean you’ll pay more in interest overall, but you may be able to pull some of the cash value out of your car to use for anything else you need. This may also mean longer terms for repayment, but for many, that is worthwhile.

How do you know if you can get any of these benefits? You may be unsure what your qualify for. Here’s a look at what it takes to get the best car refinance offers for you.

Car 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



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.

Various factors play a role in determining if you can obtain a better interest rate or terms if you refinance. Lenders consider many things to make the decision to lend to someone. They also factor in various things to determine if you may be eligible to borrow to purchase a car. Here are some things you may need to take into consideration.

Credit reports and scores

Lenders need to know how much of a risk a borrower is before lending. To do this, they need to see what type of credit history a person has (found on their credit report) and what their credit score is. These show your history with credit. Did you make payments on time? Do you have a good track record of paying down your debt? If so, the lender may offer you the best rates.

If your credit score has improved since you obtained your car loan, it may be worth taking a closer look at refinancing. Many times, consumers obtain loans from dealerships that have a high interest rate, making it very difficult for consumers to repay the loan and make monthly payments. If your credit score warrants it, refinancing may help you get out from under an expensive loan.

What your car is worth

Some lenders take a closer look at the value of the car to determine if they can lend to you and what interest rate they may offer. Loans that are upside down – which means you own more on them than the vehicle is worth- may be difficult to obtain a loan refinance for because there is too much risk to the lender. If you are unsure how much your car is worth, that’s okay. Lenders can determine this with a few questions for you.

The loan amount lenders can offer to you is often based on the car’s value. Keep that in mind when you are considering a cash-out refinance as well.

Debt-to-income ratio

Another important component to making their decision is your debt-to-income ratio. This is the amount of money you owe to lenders compared to the income you have coming in. The lower your debt-to-income ratio is, the more money you have to use to pay down your debts and meet your other financial obligations. Lenders may offer a lower interest rate to those with a better ratio, which means less risk to the lender.

Income has improved

Another factor to keep in mind is your income. From the time you obtained your original loan, has your income increased? If so, that may help you to qualify for a lower interest rate on your new loan. Like with credit cards, lenders often set the amount of money they are willing to lend to someone based on their income – it factors right into your debt-to-income ratio. If your income has improved, be sure to provide that information. It may help you get the lowest rate available to you.

How to Find the Best Car Refinance Offer for You

Now that you have an idea of what your options may be, it’s time to consider how to find the best car refinance for your needs. To do that, turn to RefiJet and our process. Here’s a simple overview of what you can expect.

Simple Process

Talk to Our Car 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.

First, know that our team is here to help you. If you have any questions, reach out to us for direct support. Our auto refinancing experts are just a phone call away from providing you with any info you may need.

Once you are ready to learn about our products and services, the next step is to start the refinance process. Don’t worry. We have made it as simple and straightforward as possible to help ensure you don’t have to spend a lot of time applying for loans (or even going to multiple bank to do so). Rather, just complete the form at the bottom of the page now. It takes a few minutes to do in total.

We collect some basic information from you at this point. Don’t worry. We keep all of your personal information safe throughout the process. With the information you provide, we will do a soft credit pull. That’s a way to gather information about your credit history without hurting your credit score in the process. There is no damage to your credit score when inquring to refinance a car loan through RefiJet.

Once that information is available, our technology then provides you with a list of loan offers. These are from one or more lenders who want to work with you if any are available to help you. Many times, there are numerous loan options to choose from. In all of these situations, you can review the offers to determine what your next step is.

You can decide to use one of these loan offers if you think the terms and interest rate work for your goals. You may see some that offer a very low interest rate or those that offer longer terms to help you stretch out and lower payments. You may decide not to use any of these loan offers. That’s okay as there is no obligation to work with any lender.

If you decide to go forward with the process, the rest is super easy and straightforward. We’ll walk you through the process of refinancing.

Why Trust RefiJet with Your Search for the Best Car Refinance Offer?

RefiJet has worked hard to provide our customers with the options they want and need with our nationwide network of lenders. That includes providing you with outstanding customer service. We’re here to answer your questions and help you learn your options without pressure. It’s a simple and straightforward process.

In addition to this, RefiJet has a proven history of providing superior customer service. We take every step possible to protect your privacy, too. You can trust our team to be there for you.

RefiJet is available to help you today. All you have to do is to complete the form at the bottom of this page to get the process moving. Once you do that, you’ll learn a great deal about the benefits our partner lenders may be able to offer to you.

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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