Auto Refinancing During Life-Changing Events

When your financial situation changes, RefiJet has the auto refinance solutions to help you manage your budget

Life changes fast. In a moment’s time, you could be facing a financially difficult situation. Sometimes they are not necessarily sudden, but you find yourself struggling to manage the budget. You wish you could tweak your loans to get a bit of relief. For many of our clients at RefiJet, that is exactly what can happen. If you are facing life-changing events, take a moment to connect with our team to find out if refinancing your auto loan could improve your financial health.

When Life Happens, Reach Out for Solutions

Many factors change our lives each year. You may get married. Some people may find themselves facing a divorce. Others are struggling to manage their credit issues. You may have just had a baby or have one on the way. or moving can also change up your financial health. When you are sending a child off to college, that’s another good time to consider the value of refinancing your auto loan.

During these times, your income changes. Or, it may just be a time when you need to update your budget to reflect a different living arrangement. Here are a few examples.

  • You’re thinking about retiring in a few years. You want to put more money into your savings now to take advantage of the potential tax savings. Refinancing your auto loan could help by lowering your monthly payment, giving you more money to tuck into savings.
  • Refinancing auto loans is common when your marital status changes. You may qualify for a better interest rate by adding someone with better credit to the loan or you may need to remove a borrower if you and your spouse decided to split ways. During either a marriage or divorce, your financial lives will change significantly. That doesn’t mean you can’t pay your bills but having a lower monthly payment for your auto loan may make things a bit easier to manage.
  • You may be having a baby in a few months. It’s an exciting time, but you really want to free up some money to help you to manage these new expenses while also keeping your monthly budget lower. That may be possible with an auto loan refinance, as well.

What’s happening in your life? What did happen that has you left wondering what your options are? At RefiJet, we can help you every step of the way to find the best loan terms for your needs, reducing at least some of that financial burden.

Is It Wise to Refinance Now?

Life changes like this help to shed light on your budget and your risks. You may no longer want to be in a loan long term and hope to refinance to a shorter loan. Others may want to save as much money on their loan by refinancing to a lower interest rate. When you are facing new changes to your life, take a few minutes to consider what auto loan refinancing can offer. Could it save you money overall? These are instances when you want to take a closer look at your options. Learn more about Reasons to Refinance an auto loan.

Changing Your LoanKey Aspects to Consider When Auto Refinancing During LifeChanging Events

There are various reasons to refinance an auto loan during life-changing circumstances. Here are a few key reasons why you should take a closer look at your options now.

Adding and Removing Someone: When you are getting married or divorced, you may want to change the ownership of your vehicles. This can be done through a title change and a new auto loan. For example, during divorce, you may need to sell the vehicle or refinance it into your name to split the property legally. We may be able to help you with adding or removing a co-borrower from an auto loan.

Adjusting Your Monthly Payment: From retirement to changes in your job, whenever anything occurs, that creates a change to your monthly budget, consider the advantages of updating your auto loan as well. A new loan can help to adjust the length of time you have to repay, giving you some leeway within your monthly budget.

Add Extended Service Contract: Preparing for the unexpected is always important when it comes to vehicle ownership. With the help of an extended service contract, major repairs require less worry. This is an opportunity to reduce the amount you spend when you have repairs, such as engine and transmission problems.

GAP Coverage: You may be able to minimize some risk with Guaranteed Asset Protection. It helps to cover the difference in the value of your loan and the value of your car should you be in an accident that results in the vehicle being totaled. It may also help when the vehicle is totaled, and you owe more than what it’s worth. Refinancing allows you to add this protection to minimize your risks.

Adjust Your Loan Amount: You may want to adjust your loan amount, which can directly impact the amount you pay in monthly payments. If you have a valuable vehicle, you may be able to use the equity in your vehicle to pay down other debt you have that’s more costly.

The outcome of refinancing your auto loan can benefit you in various ways:

  • Keep more money in your pocket each month.
  • Secure better loan terms.
  • Pay off your loan faster.
  • Take care of other needs.

How to Do Auto Refinancing During Life-Changing Events

At RefiJet, the #1 rated auto lender in customer satisfaction for four consecutive quarters on LendingTree, you gain the key advantage that’s right for you. Various factors apply, including the value of your car, your credit strength, and your existing loan terms. Yet, on average, we help clients who are looking to reduce their monthly payment by $150. How can we help you? Work with our team to get a better level of control on your auto loan as life changes. Get Started Now.

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