Is RefiJet a reputable company?

Yes, RefiJet is a reputable company. It is a Better Business Bureau accredited company and holds an A+ rating.

What credit score do you need for RefiJet?

RefiJet does list a minimum requirement. It does have lenders in its network that work with lower credit spectrum borrowers.

RefiJet is privately owned and operated out of Colorado. It was founded by Reid Rubenstein.

RefiJet Auto Loans: 2025 Review

At a glance

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4.1

Bankrate Score

Availability

4.5

Affordability

3.9

Customer Experience

4.2

Transparency

4.0

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Full methodology

Bankrate’s take

RefiJet is an auto loan refinancing marketplace that offers a streamlined rate-shopping experience. It serves borrowers with credit scores as low as 500, matching them with a financial expert to advise them through the process. But be be aware that there's a significant processing fee.

Lender Details

Loan amount

$5,000-$150,000

APR from

5.29%-21.99%

Min Credit Score

500

Funds available in

3 to 12 days

RefiJet auto loans are best for customer support

Refinancing your vehicle can be overwhelming. It is important to weigh all loan options carefully and ensure you truly are walking away with a better deal. For the hesitant borrower, RefiJet will help minimize the refi process’s stresses.

RefiJet will match you with an experienced financial expert that can hold your hand throughout the application and funding experience. The team of advisors will assist you in choosing the best refinance option and will even handle all of the paperwork necessary.

Types of auto loans offered

Whether you want to refinance your current auto loan or buy out your lease, RefiJet has you covered.

Refinancing

Amounts: $5,000-$150,000
Terms: 24-96 months
APR: 5.29%-21.99%

You won't find new or used auto loans with RefiJet, instead, it focuses on matching potential borrowers with lenders that offer auto refinance loans. While it doesn't offer specific APR ranges on its site, you can prequalify to check your potential rates before fully applying.

Lease buyout

Amounts: $5,000-$150,000
Terms: 24-96 months
APR: 5.29%-21.99%

If you prefer to keep your leased vehicle instead of turning it in and searching for a new ride, you can buy out your lease and avoid excess mileage or wear and tear fees. RefiJet helps you find a loan with a term and monthly payment that work for you. There is also no prepayment penalty if you decide to pay the loan off early to save money on interest.

Where RefiJet auto loans stand out

Prequalification available: RefiJet lets you view personalized rate quotes from lenders without a hard credit check.
Payment-free period: Qualified borrowers enjoy a two-month hiatus from monthly auto loan payments.
Draw on your car’s equity: You can get cash back from the equity in your vehicle if you refinance your auto loan.

Where RefiJet auto loans fall short

Potentially multiple fees: Some lenders assess loan origination fees that can be costly. On top of these, RefiJet charges a $395 processing fee.
Full application not online: You will need to speak with a team member after submitting the initial online form to prequalify for financing.
Not a direct lender: While not a downside for all, RefiJet does not fund auto loans itself but rather connects borrowers to lenders. Having a middleman means the convenience of easy comparison but can also mean extra costs.

How to contact RefiJet

You can call 800-260-5355 to speak with a customer service representative, send an email to contact@refijet.com or submit an online inquiry using the form found on the website for further assistance. Customer support is available Monday through Friday from 7 a.m. to 7 p.m. MST.

How this lender compares

RefiJet versus Gravity

Gravity is another online loan marketplace that offers refinance and lease buyout loans for drivers. Gravity discloses a bit more information for its borrowers regarding credit requirements and loan amounts. For those unsure of their acceptance, Gravity might be a better option. Both lenders boast excellent customer service with loan officer guidance throughout the entire process.

Read our RefiJet vs Gravity breakdown

RefiJet versus iLending

iLending is another strong contender for those looking to refinance their current loans. The lending marketplace similarly offers a lender specialist to assist you throughout the loan process. However, iLending's website does not disclose many of its requirements, which can cause some borrowers pause.

Read our RefiJet vs iLending breakdown

Do you qualify?

In order to qualify with a lender in RefiJet's partner network, you'll need to meet a few eligibility requirements.

- Be at least 18 years of age
- Be employed or have a steady, verifiable source of income
- Full coverage insurance on your vehicle
- Valid vehicle registration and driver’s license
- Be current on your auto loan payments
- Vehicle is no more than 10 years old
- Vehicle has fewer than 150,000 miles on it

How to apply for a loan with RefiJet

When you’re ready to apply for refinancing, here’s how to move forward:

Visit RefiJet’s website to fill out an interest form, and a member of the team will reach out to you. Alternatively, you can call the company’s toll-free number to speak with an auto refinancing expert if you have additional questions before getting started.
The process is simple, and you can get prequalified with a soft pull that doesn’t impact your credit rating.
A financing expert will help you analyze your options and select the best fit if there is a match within RefiJet's network.
Upload any documents the lender requires to issue a final approval, and RefiJet will handle the rest (including the paperwork).

- A copy of your driver’s license and registration
- Proof of insurance
- Proof of income, such as recent pay stubs, W-2 or tax returns
- Proof of residency, such as a mortgage statement or lease, auto insurance bill or utility bill
- Odometer photograph
- Vehicle title, depending on your state

Features and additional perks

RefiJet offers a few special features for its borrowers. One is the Spanish version of the website: Drivers can translate the entire experience through one simple click. Along with this, qualified borrowers can secure a two-month payment-free period.

RefiJet also encourages borrowers to roll on additional products such as gap insurance or extended warranty.

Fees and penalties

There are a few potential fees that come with a RefiJet backed loan. These include potential origination fees from your specific lender along with a processing fee of $395.

RefiJet FAQs

Yes, RefiJet is a reputable company. It is a Better Business Bureau accredited company and holds an A+ rating.
RefiJet does list a minimum requirement. It does have lenders in its network that work with lower credit spectrum borrowers.
RefiJet is privately owned and operated out of Colorado. It was founded by Reid Rubenstein.

How Bankrate rates RefiJet

Overall score	3.5
Availability	3.3	RefiJet doesn’t list what states it’s available in, and its loan amount range isn’t disclosed on the website.
Affordability	3.3	RefiJet doesn’t specify a minimum or maximum APR. It also charges a steep fee.
Customer experience	3.6	RefiJet doesn’t have an app available, nor does it provide its customer service hours, but it does have a quick funding timeline and its lenders offer recurring payments.
Transparency	4.0	You can prequalify with RefiJet and get quotes from several lenders, but complete rates and fees are not available on its website.

Methodology

The Bankrate team assessed more than 35 auto lenders to find the best. To rate lenders specializing in auto refinance loans, Bankrate considers 16 different criteria, including the loan amount, disclosed APR and acceptance criteria. Each lender receives a Bankrate score based on four categories.

Availability: This accounts for loan amounts, vehicle restrictions and availability in each state. Lenders that serve customers nationwide with flexible loan amounts rank higher.
Affordability: Primarily, this section covers expected APR, acceptance criteria, discounts for autopay and the number of fees. Lenders with the lowest rates, fewer fees and and most generous acceptance criteria receive higher scores.
Customer experience: Our team looked at how easy it is for customers to apply for and manage their loans. Criteria include online access, support availability, funding timeline, option for automatic payment and app availability.
Transparency: This includes prequalification and disclosure of rates and fees. We favored lenders that make it easy for customers to preview possible costs.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

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RefiJet auto loans: 2025 review

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