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RefiJet Reviews


bestfor-icon A+ rated with the Better Business Bureau (BBB)

Written by Bob Phillips

About RefiJet | Read More


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Mon - Fri 7:00 AM - 7:00 PM MST
Sat - Sun 9:00 AM - 2:00 PM MST
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  • contact@RefiJet.com
  • Headquarters: 5775 DTC Blvd., Suite 400 Greenwood Village, CO 80111
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RefiJet Auto Loans Review

RefiJet provides refinancing loans at competitive interest rates. They do not fund loans but connect potential borrowers with their network of over 150 lenders.

RefiJet Auto Loans Highlight


Min Credit Score


APR. Fixed Rate


APR. Variable Rate


Loan Amount

24-96 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

24 hours

Funding Time

10 Years

Max Vehicle Age

Auto Loan Refinance


Refinance Amount

Pros & Cons

  • con-icon Prequalification with soft credit check available
  • con-icon Low minimum credit score
  • con-icon Can buy out your lease
  • con-icon Some lenders offer automatic payment discounts
  • con-icon Cash-out refinances available
  • con-icon Lack of full online application
  • con-icon Vehicles older than 10 years not eligible
  • con-icon $395 origination fee

Auto Loan Types

  • Lease Buyouts
  • Auto Refinance Loans

Vehicle Types

  • Car
  • Motorcycle
  • Truck

RefiJet Auto Loans Terms & Requirements

RefiJet offers vehicle refinancing for vehicles older than ten model years and that have less than 150,000 miles. The company also offers lease buyouts. RefiJet’s terms and requirements are industry standard and acceptable.

How to Apply

The process of applying for a vehicle loan through RefiJet begins online with a one page form and is completed via telephone.

The one page initial online form:

After submitting this information, a RefiJet sales representative will call the borrower to collect additional information, such as vehicle and current loan information, employment and income information, and Social Security number for a hard credit pull by the lender the borrower selects.

Qualification Requirements

  • Minimum FICO credit score: 500
  • Verifiable income and employment history
  •  Maximum debt-to-income ratio of 70%
  • Minimum age: 18
  • U.S. citizen or permanent resident

Required Information

Will vary by lender, but may include:

  • Proof of address
  • Last pay stub to verify income
  • Driver’s license
  • Banking information
  • Auto insurance information
  • Copy of vehicle registration

Application Steps & Time Frames

  • Complete initial online form (3 minutes)
  • Wait for approval or decline (usually under 5 minutes but may be longer if personally reviewed by a RefiJet employee)
  • Receive funding (usually 1-3 business days after the loan closes, depending on the lender)

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Does RefiJet do a soft credit pull?

RefiJet will perform a soft credit pull that doesn’t affect your credit score to determine if you can be prequalified for any offers. Once settling upon a lender, they will do a hard credit pull to arrive at your loan’s final terms and rate.

Does RefiJet only refinance cars?

RefiJet specializes in refinancing cars, trucks, SUVs and motorcycles with a minimum loan balance of at least $5,000.

Is there a charge to refinance my auto loan with RefiJet?

RefiJet charges a $395 origination fee to borrowers.

Customer Support

RefiJet does not offer customer support after a loan is funded. Borrowers must contact their lender’s customer service team for any assistance with their loan. RefiJet does have a sales team and a toll-free phone number for inbound callers seeking needing questions answered before and during the application process.

In Conclusion

RefiJet is a reputable company with an A+ rating from the Better Business Bureau (BBB). It provides quotes from different lenders within minutes when someone submits an application, and funding is typically made within 24-48 hours. RefiJet provides auto loan refinancing and auto lease buyouts.