Toyota Refinancing: Low Rates Starting at 2.49%

And No Payment for the First 2 Months

RefiJet helps people lower their monthly auto 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.

Looking for a Better Auto Loan?

By refinancing your Toyota with RefiJet, you could:

  • Lower your monthly payment
  • Reduce your loan’s interest rate
  • Change your loan’s terms
  • Add or remove a co-borrower
  • Buy out your lease
  • Protect your vehicle with a service contract
  • Take a vacation from your monthly auto loan payment

Toyota Refinancing – Save Money On Your Auto Loan

Did you know refinancing a Toyota auto loan is an option for many people? Do you struggle to make the payment on your loan each month? Do you wish you didn’t take the loan from Totoya financial that had an interest rate that was just too high? Why not refinance into a better option? At RefiJet, we can help you.

Refinancing My Toyota – Where to Start

If you want to refinance your Toyota, you have to know what the benefits of doing so are to you. There are several reasons why so many of our clients refinance their loans. Which one sounds like it could help you?

  • You want a lower monthly payment.
  • You want to pay less to buy your car.
  • You want to get some equity out of your car to use for something else.
  • It’s time to get your co-borrower off the car.
  • You want to find a different lender.

No matter which of these sounds good to you – or if there are multiple options that may work, our team at RefiJet may be able to help you.



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.

What Type of Toyota Can You Refinance?

Generally speaking, lenders will work with you if you have any model of a Toyota. That may include the fun 4Runner, the Highlander, Corolla, RAV4, or the Camry. If you own a Tacoma, talk to them, too.

Most of the time, lenders work with borrowers who have vehicles that are less than 10 years old. Even if your vehicle is reaching that point, it’s worth finding out if you qualify for refinancing. Often, this is the best way for you to get some of the value out of your car.

Requirements to Refinance a Toyota

If you own a Highlander that’s your favorite vehicle to drive or that Camry is likely going to last you another 10 years, and you want a lower interest rate on it, we can help you find available lenders.  You may have to meet specific eligibility requirements. These differ from one lender to the next. However, most people shouldn’t have a problem with them. Those requirements may include:

  • Having a valid driver’s license
  • Maintaining full coverage auto insurance
  • Having the vehicle’s registration
  • Proof of employment and income
  • A car that’s under 10 years old
  • On time payments for the last six months

It’s that easy to get started. But, there’s more.

Toyota Refinancing Eligibility

These are some of the requirements needed to be able to pre-qualify for refinancing a Toyota.

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

Can I Refinance My Toyota Now? Why Do It?

When you are ready to refinance your RAV4 or get into a longer loan term with your Tacoma, let our team help you. There are many potential benefits we can offer to you in this process. Every situation is different. Some of the opportunities we may be able to help you with include these.

Lower Your Monthly Payment: Stop paying so much every month. Refinancing a Corolla or Camry may help to reduce your auto loan payment significantly. On average, refinancing with us can save $150 a month (and sometimes much more).

Get a Lower APR on Your Loan: When you purchase a car, you may not think twice about the interest rate on the loan. You just want to get the loan taken care of so you can go home with your new vehicle. Yet, a high interest rate means it is going to cost you a lot more to buy that car than it needs to. Refinancing may help you reduce this.

Extend the Term and Take Some Extra Out: Refinancing your Rav4 or 4runner may also allow you to take some cash out of the vehicle’s value. That’s true for many of Toyota’s higher valued vehicles including the Highlander and Tacoma. If you don’t have much of a loan on the car left, but could use some cash in hand, consider extending the term to get a lower rate and some money.

Remove or Add a Co-Borrower: Another one of the benefits for some of our clients is the ability to remove or add a co-borrower to their loan. If you have one, and perhaps that person is no longer necessary, remove them with refinancing. Adding a co-borrower may improve your credit qualifications helping you to get a rate that’s even lower.

Take Advantage of Additional Features: RefiJet refinancing may help you to get even more from your auto loan. For example, you may be able to take a month off from paying your auto loan payment. You may be able to qualify for guaranteed asset protection which lowers your risk. Some of our clients even benefit from buying out their lease.

No Credit Hit for Finding Out if You Qualify

One of the benefits of refinancing a Toyota auto loan with our help is that we can help you find out if you qualify for a loan without having to pull your credit report formally. That is, we use a soft pull. That allows us to get the necessary information to help find lenders that may be able to help you. Your credit doesn’t take a hit in the process.s

Refinancing My Toyota Is Easy

Toyota refinancing really is an easier process than you think especially when you use the trusted team at RefiJet to help you do so. When you are ready to get more information, simply fill out the quote form on this page. We’ll help you determine which lenders can help you to get a lower costing loan that fits your specific needs.

Toyota refinancing – no matter if you own any model or trim – may be a good opportunity for you to save money. As LendingTree’s #1 rated Auto Lender for customer satisfaction for four consecutive months, we know how to help our clients get into loans that are best for their needs. All you have to do is to apply with us today.

Now is the best time to act before rates climb. Learn more when you contact our team at RefiJet about Toyota refinancing opportunities.

How to Refinance a Toyota

Talk to Our Auto 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.

Customer Reviews

Thousands of Happy Customers

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Get Started on Refinancing Your Toyota Today!

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.

Toyota Refinancing solutions 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 on 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