This coverage covers the costs associated with unexpected repairs. Even minor repairs, with today’s technology, can cost thousands of dollars. Coverage includes parts, labor, and sales tax. You can choose any ASE Certified mechanic to fix covered repairs. We offer top-quality ESCs at competitive pricing. The cost of the ESC is added to your loan, raising your payment slightly, but when your vehicle needs repair, you’ll be darn glad you have it! Learn more about adding an Extended Service Contract to your auto refinance.
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If there are co-borrowers on the loan, then the title will show both borrowers. If you are adding someone as a co-borrower or if you are removing a co-borrower who will no longer be on the new refinance loan, the title needs to reflect the new ownership. RefiJet, will guide you through the entire process to make sure the new title accurately reflects the borrower(s) on the new refinance loan. This includes working with the state department of motor vehicles and both lenders to facilitate the process on your behalf.
When you refinance, a new title needs to be issued. This means that the old lender will no longer be on the title. The new title will show the new lienholder. This is a process that is conducted through your state department of motor vehicles. When you refinance with RefiJet, we handle every aspect of getting a new title as part of your loan refinance. When the title is updated, it will go to the appropriate party, either you or the lienholder, depending on the state.
If you live in a title-holding state, the borrower will have the official title document. You will need to send in the title to RefiJet to complete the refinance process. If you don’t have it, we will guide you through the process of getting a copy. Typically, to get a replacement title, you need to go to your department of motor vehicles or county tax office, depending on your state and county. Or, you might even be able to file online or send in a form to get the title in the mail. If the current lender has the title, we will handle the process of getting the title from the previous lender, who will release it directly to us as soon as that loan is paid off through the proceeds of the new refinance loan.
The title is the document that provides proof of your ownership in the vehicle. Depending on your state rules, either you keep a copy of the title or the lienholder holds it until the loan is paid off. When refinancing with RefiJet, we will let you know if you are in a title-holding state and need to provide us with the title.
The vehicle title is the legal document that is the state’s record of who owns the vehicle. If you have an auto loan on that vehicle, both you and the lienholder are listed on the title. The lienholder is the lender who made the loan to you. When you pay off your loan, a new title is issued to you, showing you as the sole owner.
Our goal is to put you in the best position for which you qualify for your new loan. You can avoid the hassles and frustrations of investigating all the options with various lenders yourself. We work with multiple leading lenders. We can identify your options all at once. We provide you with offers right away. All you have to do is pick the option that works best for you, then sign the loan documents. We do all the rest. You can move into a better loan as fast as possible!
Get started by talking to one of our refinance experts about refinancing your SUV. Let us analyze your situation and help you find the best auto loan refinance option for you.
It doesn’t cost anything to evaluate your options with RefiJet, so anytime is a good time to consider refinancing! When you talk with RefiJet, we can help you identify the benefits of refinancing, such as:
Your SUV’s value is a large factor in the amount you can refinance. Lenders consider the Loan-to-Value (LTV) ratio when setting loan terms, such as APR and maximum Term. When you work with RefiJet, we determine an accurate value of your SUV so the lender can evaluate the LTV. The lower the ratio of the loan amount to your SUV’s, the lower the risk to the lender. The lower the LTV, the better loan terms for you.
Multiple factors are involved in evaluating your SUV’s value. We use a third-party guide to define the value of your SUV. The guide starts with the make, model, and year. All you have to do is give us the VIN, which is a unique identifying number for your SUV. Based on the VIN, the guide gives us details about your vehicle and is the first piece of information used to determine value. Then, you get to tell us how much you use your SUV and what features it has, so we can get an accurate value. Specifically, you will provide info on:
Mileage:
The lower the mileage the lower the lender’s risk and the higher the value. However, as long as your SUV has less than 150,000 miles on it, it will likely qualify for refinancing.
Features:
When we evaluate your SUV’s value using a third-party guide, the VIN helps define its standard features. We also discuss the various manufacturer features your specific SUV may have. No matter which manufacturer features you have, they can add value, so we want to know about them. We will make sure the valuation guide reflects those features, which will increase the value above the standard base amount. We want to make sure we have an accurate description of your specific vehicle, so the value is accurate for the lender.
With all this information, the third-party guide defines your SUV’s “book” value, which is used to calculate the LTV.
When you can demonstrate strong payment history on your current loan, new lenders tend to be more interested in offering you a new loan with better terms. Being up-to-date on your current loan and having on-time payments for at least the last 6 months puts you in a strong position for refinancing.
SUVs that are less than 10 years old and have less than 150,000 miles typically will qualify for refinancing. Whether you off-road with it, cart the kids around, and/or go on long road trips, your SUV will qualify.
Just fill out the short form on this page to get started. Then we will give you a call to gather more information and identify the various options for which you qualify. We work with you one-on-one to gather your information. You don’t even have to fill out the application! We want to understand your refinancing goal so we can identify the best options for your needs. We work with multiple lenders. So, we can typically find an option that will meet your specific needs and help you keep your SUV, but with a better loan.
Our goal is to put you in the best position for which you qualify for a new loan. We help you avoid the hassles and frustrations of investigating options with various lenders yourself. Because we work with multiple leading lenders, we can identify your options all at once and provide you with offers right away. All you have to do is pick the option that works best for you, then sign the loan documents. We do all the rest. Then, you are on your way to a better loan as fast as possible! To get started, talk to our team about refinancing your motorcycle. Let us analyze your situation and help you find the best loan refinance option for you and your motorcycle.
It doesn’t cost anything to evaluate your options with RefiJet, so anytime is a good time to consider refinancing! When you talk with RefiJet, we can help you identify the benefits of refinancing, such as:
Are you up-to-date on your current loan? Have you made on-time payments for at least the last 6 months? If so, you are in a strong position to refinance your loan. When you can demonstrate strong payment history on your current loan, new lenders tend to be more interested in offering you a new loan with better terms.
We can find out in one phone call if your motorcycle qualifies. All you have to do is tell us the make, model, and year of your motorcycle. You will also describe all the great manufacturer features it has. Those factors all affect your motorcycle’s “book” value. We input that information into a 3rd-party valuation guide that defines the specific value. We can typically refinance a motorcycle regardless of age or mileage.
It doesn’t cost anything to evaluate your options with RefiJet, so anytime is a good time to consider refinancing! When you talk with RefiJet, we can help you identify the benefits of refinancing, such as:
Your truck’s value is a large factor in the amount you can refinance. Lenders consider the Loan-to-Value (LTV) ratio when setting the loan terms they will offer you. When you work with RefiJet, we determine an accurate value of your truck so the lender can evaluate the LTV ratio. The lower the ratio of the loan amount to the truck’s value, the lower the lender’s risk. Lower risk results in better loan terms for you.
Multiple factors are involved in evaluating your truck’s value. We use a third-party guide to define the value. These guides start with the make, model, year, and mileage of your truck, based on the VIN. The VIN is a unique identifying number that defines what type of truck it is. Based on the VIN, the guide gives us details about your vehicle. It is the first piece of information used to obtain a value from the guide. Then, you get to tell us how much you use your trucks and what features it has, so we can make sure to get an accurate value. Specifically, you will provide info on:
Mileage:
The lower the mileage, the longer the truck will typically last and the higher the value. These factors affect the lender’s risk. However, as long as your truck has less than 150,000 miles on it, it will likely qualify for refinancing.
Features:
When we evaluate your car’s value using a third-party guide, we will review information based on the VIN regarding standard features. Then we review the manufacturer feature options. This is your chance to share all the great features on your specific truck. We will make sure the valuation guide reflects those features. That will increase the value above the standard base amount. We want to make sure we have an accurate description of your specific vehicle, so the value is accurate for the lender.
With all this information, the third-party guide defines your truck’s “book” value the lender will use.
It’s ok if you have been turned down for a loan or a refinance!
Even if you had a hard time getting a loan in the past, or you have been turned down when you recently tried to refinance, RefiJet may have options for you. We work with many industry-leading lenders that may not be working with other refinance companies. RefiJet can offer unique options competitors can’t because of the strength of our program and our customer service. Even if you think you are a tough case, we can probably offer you some options. If you think your credit situation has improved a lot since you originally got your loan, our options may be significantly better than your current loan.
We review various aspects of your credit history, not just your credit score, to identify various options for which you qualify. Other factors include your debt, your income, and your loan payment history. For example, when you can demonstrate strong payment history on your current loan, new lenders tend to be more interested in offering you better terms on a new loan. If you are up-to-date on your current loan and have made on-time payments for at least the last 6 months, you are in a strong position to refinance your loan.
GAP and ESC are optional ancillary products that can be included in your refinance loan. That means that the cost is spread out over the term of your new loan. This typically makes them so affordable that you may still be able to lower your monthly payment! Guaranteed Asset Protection (GAP) protects against you having to make a large, out of pocket payment if your truck gets totaled or stolen. RefiJet offers GAP that covers up to 150% of the retail value of your truck. It also pays up to $1000 towards your insurance deductible. This means you won’t be responsible for the entire difference between the value of your truck and the amount your insurance company will pay. An Extended Service Contract (ESC) offers protection against mechanical failure. Coverage includes the engine, transmission and high-tech electrical features. That means if something on your truck fails, you don’t have to worry about having a large, unexpected expense. If you already have GAP or ESC on your current loan, you may be due a pro-rated refund when you cancel them. That’s another way to get cash in your pocket while still protecting your truck and your finances!
If your love for your truck isn’t matched by your feelings for your current loan, refinancing could be a good option. If your truck is for personal use (not commercial use), is less than 10 years old and has less than 150,000 miles on it, it will typically qualify for refinancing.
Just get started by contacting RefiJet. Then we will give you a call to gather more information and identify the various options for which you qualify. Since we work with multiple lenders, we can typically find an option that meets your specific needs and helps you keep your truck, but with a better loan. All you do is choose the option that works best for you. We will complete all the forms for you to sign, provide them to you through a secure online portal, then facilitate the payoff of your old loan. We even handle transferring the title to the new lender. It’s that easy!
You may qualify for a variety of options for refinancing your truck. It can be worth a little investigation. At RefiJet, we work with multiple, industry-leading lenders, so we can offer various options for which you qualify. You can explore whether you qualify for a lower interest rate, can extend the term to lower your monthly payment, or add/drop a co-borrower. You can also find out if GAP and/or ESC can be included in your loan.
Loan terms vary depending on your credit situation, your vehicle, and other criteria. While we can’t tell you in advance what they could be, we can tell you that we work with multiple Lenders, so we have lots of options to evaluate for you. If you let us know what your priorities are, we will identify the best options for which you qualify. We can probably help you find terms that fit with what you want. If we can’t, we will tell you why.
When we are processing your application, we use a “soft pull.” We get your credit information, but it doesn’t affect your credit score, and it doesn’t appear as an inquiry on your bureau. If you approve us to submit the application to the Lender (after we have evaluated your application and discussed the proposed terms of the loan with you), the Lender will do a “hard pull.” If you are shopping around for a refinance loan, be careful because if there are too many “hard pulls,” it may affect your credit score. Not every refinance program does a “soft pull,” like RefiJet does. Many competitors also submit your application to multiple lenders, which can create multiple inquiries on your credit bureau.
Yep. With their permission. The new loan will be evaluated based on the person or people who are applying. If you have a co-borrower, but don’t qualify without a co-
borrower, we will let you know, based on your credit strength. Learn more about adding or removing a co-borrower.
You can finance a personal (not commercial) vehicle that is less than 10 years old (based on the model year) and has 150,000 or less miles. We can also refinance most
motorcycles and recreational vehicles.
Learn more about:
Auto Loan Refinancing
Car Refinancing
Motorcycle Refinancing
Truck Refinancing
GAP is coverage that supplements your auto insurance. In the event your vehicle is totaled or stolen, GAP pays the difference between the value of your vehicle (which your insurance company will pay) and the outstanding balance on your loan (also known as the “gap.”) We hope it never happens to you, but in an already bad situation, GAP coverage can be a great option to reduce your financial risk.
Because we work with an industry-leading provider of GAP coverage and we complete lots of loans, we have negotiated a great rate. Your cost can be lower than you might be able to get through a car dealership or other lending programs. The cost of the GAP coverage is included in your loan, and only adds a few dollars to your monthly payment. If you already have GAP coverage, we can help you cancel it. By law, your current GAP contract will not transfer to your new loan; however, you might be entitled to a pro-rated refund.
Learn more about Guaranteed Asset Protection.
Let us know you are interested in exploring your options. We will guide you through the process of collecting your information (including doing a soft pull of your credit bureau information) and documents (such as a copy of your driver’s license). Most likely, you will be provided with some options for loan structure (APR, loan term, monthly payment, etc.) along with information about your options for Guaranteed Asset Protection (GAP) and Extended Service Contract coverage that can be included in your loan. Once approved by a lender in our national network, we fill out the paperwork (really!) and send it to you through a highly secure system that protects your personal information and data. You sign and return the documents, and then we work with your new lender to handle paying off your current loan and updating your title paperwork. Then, you just start making your loan payments to the new lender. Boom, you’re done.
Learn more about RefiJet’s Auto Refinance Process.
Not much. We will need your social security number (which we protect in our secure systems), some basic info on your work and residence, pictures of your driver’s
license(s) and current registration, proof of valid insurance, and the vehicle’s current mileage. We also make it really easy and secure for you to get all that info to us.
Carefully, very carefully. We are serious about protecting your private information. We have numerous, sophisticated methods for protecting your data when it is in our systems (which are specially designed to protect private consumer information), when it is in transit between our systems, and when it is transferred to Lenders. We also use secure systems and methods to gather documents from you and provide them to you. We check, the lenders check, and we have third-parties check, to make sure we are securely handling your data. If you are a Security expert you will be happy to know that we are SOC 2, Type II certified! We do not share or sell your data for use by other companies. Also, please see the Terms of Service, Privacy Policy, Electronic Consent, and any other disclosures or consents on www.refijet.com.
Where should we start?? The fact that we are highly rated by consumers who have already worked with us is a good reason (See Lending Tree, where we are consistently highly-rated, including being rated Number 1 by consumers over a long period of time.) We offer refinance loans from multiple lenders, which increases the chance that we can find an option that meets your needs. We pride ourselves on providing fast, high-quality, customer-focused service that makes sure we protect you and your information, offers you the best possible loan for which you qualify, and makes sure you understand the terms of the loan. We are also accessible, fun to work with, and focused on your satisfaction. Should we go on? We could, but the best way is to contact us and experience how we work. We are confident you will be happy with our process, our people, and our options.
This coverage covers the costs associated with unexpected repairs. Even minor repairs, with today’s technology, can cost thousands of dollars. Coverage includes parts, labor, and sales tax. You can choose any ASE Certified mechanic to fix covered repairs. We offer top-quality ESCs at competitive pricing. The cost of the ESC is added to your loan, raising your payment slightly, but when your vehicle needs repair, you’ll be darn glad you have it! Learn more about adding an Extended Service Contract to your auto refinance.
The vehicle title is the legal document that is the state’s record of who owns the vehicle.
