Truck 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 payments. These savings are not guaranteed. Individual savings and rates may differ.

Do you love your truck and wonder, “How can I keep my truck as long as possible?  RefiJet makes it fast and easy to explore your options for refinancing and protecting yourself against unplanned expenses related to your truck.  It doesn’t matter if you have a FORD, GMC, Chevy, or a RAM truck, we will evaluate your specific credit situation, financial needs, and truck value. We present you with various options for which you qualify.  For many truck owners, refinancing is a practical way to save money, manage a budget, adjust to a new life situation, or just get a better loan for your current needs.  Adding on Guaranteed Asset Protection (GAP) and//or an Extended Service Contract (ESC) when you refinance can also be a valuable strategy that helps you protect your truck and your finances.

Why refinance my truck?

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.

How do I refinance my truck?

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 transfer of title to the new lender.  It’s that easy!

Will My Truck Qualify for Refinancing?

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.

What are the benefits of GAP and ESC?

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!

Will I qualify for refinancing?

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.

How much can you refinance?

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:


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.


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.

When Should You Consider Truck Refinancing?

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:

  • Reduce your monthly loan payment – on average, we help borrowers that are looking to reduce their monthly loan payment by $150*.
  • Reduce your interest rate – achieve potentially significant savings in the amount of interest you pay on your auto loan, which may save you money over the lifetime of your ownership.
  • Obtain a better loan term – this can help to dramatically reduce the amount of your monthly payment, helping you manage your monthly budget.
  • Add or remove a borrower from the loan – Either way, you can end up with the best loan to fit your current needs and situation.

If you want to save money on your monthly payment, get a better loan for your situation, or just want to see what your options are, complete the form on this page.  Then, with a short call with RefiJet, we will describe the options that are available to meet your goals.

Why Choose RefiJet?

Our goal is to put you in the best position for which you qualify on your new loan—without 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 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 so you are on your way to a better loan as fast as possible!  Let us analyze your situation and help you find the best loan refinance option for you and your truck!

How To Refinance a Truck

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 Pre-Qualified

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 Truck 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 & deliver quick quotes at competitive rates.

We have a variety of Truck refinancing options for you 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