Lower your Auto Loan's Interest Rate

RefiJet has refinance solutions to lower your car loan's interest rate

Saving money is always worth a closer look. At RefiJet, we may be able to help lower your auto loan interest rate. A lower interest rate can translate into more affordable monthly payments and less paid over time.

It’s not uncommon for borrowers to have higher interest rates – and that’s costing you money. In some cases, a lower interest rate on your auto loan could help you save thousands of dollars over your auto loan lifetime. That’s money in your pocket to spend your way. Check out how much you could save by lowering your interest rate with our auto refinance calculator.

Why Is Your Interest Rate Higher Than It Should Be?

Lender’s loan program changes over time due to key lending rates and economic changes. However, it’s very common for borrowers to be overpaying on their auto loan for several key reasons. Take a look to see if these impact your situation.

Your Credit Score Increased

Has your credit score improved over the last few months or years? If it is higher now than it was when you first bought your vehicle, chances are good you qualify for a lower rate now than you did then. Credit score improvement is very common, especially over the time of your loan as you make payments on time.

If you’re unsure, check your credit report. Make sure it is accurate. Then, request a credit score. When you use our services here at RefiJet, we can help you determine the best rate available to you right now. Look back at your existing loan. If it is significantly higher, refinancing your auto loan may save you money.

Your Lender Didn’t Offer the Best Rates

It’s not uncommon for dealerships and other lenders to charge interest rates that are higher than what you could have obtained from others. For example, the local dealership may not have had the lowest interest rates available at the time. You didn’t know that. Unless you are confident you compared interest rates yourself with multiple lenders, chances are good you didn’t get the best available rate then. You can now!

What Can You Do to Lower your Auto Loan Interest Rate?

In some situations, you may need a lower interest rate, but you haven’t qualified for one from other lenders. RefiJet will help you determine the best rate for which you qualify.

Secure a Co-Borrower

One way you may be able to reduce your interest rate further is to get a co-borrower for your loan. If you add a co-borrower who has strong credit, that can help you qualify for an interest rate that’s significantly less.

Choose a Different Loan Structure

Our team can also help you find the right loan structure for cost-savings. Most borrowers don’t know there are various term options available to them when they buy a car. A longer-term (or a shorter one, in some cases) can help to reduce your interest rate.

With More Lending Options, You Can Depend on Us to Get the Lowest Rate Available for Which You Qualify

Some borrowers end up paying too much for their auto loan because they don’t have all of the options in front of them to choose from at the time of buying their car. Our tools and resources make it possible for you to determine which is the best rate for which you qualify for. We can look at various scenarios and provide numerous recommendations, all personalized to meet your unique needs.

Why Should You Refinance to Secure a Lower Interest Rate?

Why pay more for your car than you have to? A higher interest rate means you’re paying significantly more to buy the same car. With a lower rate, you may be able to qualify for several key benefits, including:

Lower Monthly Payments: Reduce your loan payment each month. If you hate having to write that big check every month, now you don’t have to. With more affordable interest rates, your monthly payment may also fall.  On average, our clients who are looking to lower their monthly auto loan payment save an average of $150.

Lower Overall Finance Charges: Payless to buy your car overall. The sticker price on the windshield of your vehicle wasn’t all you pay when you buy it. You also pay for all of the interest that adds up over time. With a lower rate – even one that is only a fraction of a percentage point different – you could save thousands over the lifetime of your loan.

Get Better Lending Terms: When you refinance your auto loan to get a lower rate, you may also qualify for a shorter-term (or a longer one in some cases).

Why Choose RefiJet to Lower Your Auto Loan Payments?

RefiJet has set out to make auto loan refinancing available to consumers throughout the U.S. We’ve recognized the simple fact that most people don’t know this is an option available to them.

As LendingTree’s #1-rated auto lender in customer satisfaction for four consecutive quarters, we’re a respected, dedicated company. We also have an A+ Rating with the BBB.

Use the tools on this page to determine if you qualify for a lower interest rate on your auto loan. If you do, our team will help you to secure that savings in no time. Contact RefiJet and get started on refinancing your auto loan today!

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 RefiJet.com (“RefiJet.com” 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 RefiJet.com) in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at Info@RefiJet.com. 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.  

RefiJet.com 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.  RefiJet.com will provide you with notice of any such termination as required by applicable law. If RefiJet.com chooses to stop providing Documents electronically, RefiJet.com 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 RefiJet.com 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 RefiJet.com 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