Documents Needed for a Auto Refinance Loan

The paperwork you need to get started on refinancing your vehicle

There are several Documents Needed For Auto Refinancing. A variety of identity, residence, income, and vehicle-related documentation is required to refinance a loan.  Different lenders require different documents needed for auto refinancing.  Your unique situation, such as your credit score, your type of income, or whether you are adding/deleting someone on the loan will also dictate which documents are needed.  Not only are the documents collected, but they are reviewed. Your documents need to be current (usually within 30 or 60 days of the contract date), legible and include data that matches the application data.

As your documents contain information that should remain private and secure, it’s important to keep your documents safe.  RefiJet provides a secure portal to safely upload your documents as you provide them for the refinance process.

Documents Always Needed For an Auto Refinancing

Not only will you be required to upload copies or pictures of these documents, but it’s handy to have them available when you talk to a RefiJet FSR because they provide the answers to some of the application questions, such as the vehicle VIN.  In addition, if you have them handy, you can upload them while you are on the phone with the FSR, which helps your refinance move as quickly as possible.

  • Driver’s License
  • Registration
  • Odometer Photo
  • Proof of Insurance
    • Some lenders require proof of a certain level of coverage
    • Some lenders require that the lienholder be changed to reflect the new loan
    • Typically require the insurance card

Documents Frequently Needed

  • Proof of Income
    • Typically requires paystub, W-2, tax returns, Social Security letter, or online employer income verification, depending on the type of employment (W-2, self-employed, contractor, social security, seasonal, etc.)
    • Lenders use the verified income when calculating the Payment-to-Income ratio, which is a method of evaluating risk.
  • Proof of Residence (e.g. utility bill, lease, mortgage statement, auto insurance policy, etc.)
  • Title:  if you are in a state where you are responsible for holding the vehicle title, you will need to provide it in order for the title to be perfected for the new lender.
  • Other documentation may be needed depending on the lender, your credit history, and the terms of the proposed loan.

With RefiJet, we know what the lender needs and will make it easy for you to provide the required documents to submit your application and get approved.

Loan Documents

Once you get the good news that you have been approved, RefiJet will contact you with the final terms of the loan.  Each and every item will be reviewed with you so you fully understand what is included and what it costs.  Then, if you decide to move forward with the loan, RefiJet fills out all the loan documents for you, provides them to you through the secure portal. Typically, your loan package will include documents such as:

  • Credit Application:  This document contains the application data that you provided by phone.
  • Note and Security Agreement (NSA) (sometimes called a Promissory Note and Security Agreement):  This is the actual agreement with the Lender for the loan.  It clearly defines the interest rate/APR, loan term, loan amount, and any associated costs, such as the cost of GAP and/or ESC, state fees or taxes, etc.
  • One and the Same Agreement:  This form is used to attest that you are the same person if there are different versions of your name, such as you used your middle name on your driver’s license but not on your previous loan.
  • Application for Title:  This document is used to get a new title that establishes a security interest in the vehicle by the new lender.
  • Odometer Statement:  This is your attestation of the accurate mileage on your vehicle.
  • GAP contract:  If you choose to include GAP in your loan, this is the contract.
  • ESC contract:  if you choose to include ESC in your loan, this is the contract.
  • Risk-Based Pricing Letter/Credit Disclosure Notice:  This is a notice from the lender about how they use your credit in their underwriting and approval process.
  • Military Lending Act Disclosure:  If you are covered by the Military Lending Act (MLA), this is the required notice related to your loan and the protections affording by the MLA.
  • Authorization for Payoff:  This form authorizes the payoff of your previous lienholder through the proceeds of the new loan.
  • Power of Attorney:  This form authorizes a third-party to facilitate the transfer of title and handle other legal transactions specifically related to the new loan.

Once you receive the documents through the secure portal, RefiJet will contact you to describe each document to you, review the itemization in the NSA again, and make sure you know exactly how and where to sign each document.  In addition, we will let you know if your state requires some documents to be notarized.  Our process makes it easy for you to electronically sign some documents (if allowed by the lender), or print, sign and send back to RefiJet with a pre-paid UPS label.

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