RefiJet Reviews

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Edited by: Jon Bortin

About RefiJet

RefiJet is an auto loan refinancing company. The company works with a national network of lenders and connects customers to the best lender for their needs. Customers are assigned a personal consultant to help in the process. This includes pre-qualification and application paperwork. RefiJet works with a wide variety of credit scores, so even if you have a poor credit history, you can still potentially qualify.

Pros
  • Works with low-credit applicants
  • Pre-qualify without a hard credit pull
  • Personal guidance throughout process
Cons
  • Older cars aren’t eligible
  • Long list of requirements

What is RefiJet?

RefiJet is an auto loan refinancing company. The company itself is not a direct lender. Instead, RefiJet works with a network of lenders to help customers find their best option. The company aims to make the process of finding a refinancing loan a simple task.

Along with cars, RefiJet covers several other vehicle types, including trucks, motorcycles and recreational vehicles. The company doesn’t accept vehicles over 10 years old or with more than 150,000 miles. RefiJet accepts co-borrowers so that those with a poor credit history can add someone with better credit to bolster their application.

How does RefiJet work?

With RefiJet, you're matched with a financial expert that helps guide you through the process from beginning to end. This includes everything from applying for pre-qualification to completing application paperwork for a lender. Customers have to do little more than provide documentation and other necessary information.

The process starts with your personal financial expert reviewing all of your information. Next, you apply for pre-qualification, which takes only a few minutes and doesn’t affect your credit score. Once you’re pre-qualified, your expert lays out all the lending options available to you. From there, you can choose the lender that best suits your needs. Your financial expert submits your application, and if you're approved, they'll explain the loan details and give you the necessary loan documents.

To apply, you need to have a job or other steady income source. You also need to have a history of on-time recent car payments, a valid driver’s license and registration and full insurance coverage on the vehicle.

RefiJet rates

There’s no fee associated with using RefiJet. Customers can look into the loan options available to them with no financial commitment. Once you’ve pre-qualified for refinancing, your financial expert goes over your lending options, including fees and monthly payments. Your rates and other costs depend on various criteria, like your credit history, employment situation, your vehicle and other factors. According to RefiJet, rates start at 2.49% at the time of publishing.

RefiJet FAQ

How do you refinance a car with RefiJet?

Refinancing a car with RefiJet is simple. You speak with one of the company’s financial experts to learn about the options available to you. From there, they help you pre-qualify for refinancing. Finally, you’re presented with options, and you choose the loan that’s right for you.

How much can I save on my car loan with RefiJet?

On average, RefiJet customers save about $150 a month, according to the company.

What are the eligibility requirements for RefiJet?

There are a few eligibility requirements for RefiJet, including that you have:

  • Employment or a verifiable source of income
  • A record of on-time car payments
  • A vehicle that’s 10 years old or newer, with fewer than 150,000 miles
  • Full insurance coverage on the vehicle
  • Valid vehicle registration
  • A valid driver’s license
What documents do I need to provide for a RefiJet refinance?

The documents you should have include:

  • Driver’s license
  • Proof of insurance
  • Registration
  • Proof of income (e.g., W-2 form, tax returns, pay stubs)
  • Proof of residence (e.g., utility bill, mortgage statement, lease agreement)
  • Vehicle title, if you hold it in your state
What types of vehicles can I refinance with RefiJet?

RefiJet refinances loans for personal vehicles including cars, trucks, motorcycles and RVs.

Does RefiJet do a hard credit pull?

RefiJet does not do a hard credit pull. When you apply for pre-qualification, the company performs a soft credit pull, which doesn’t affect your credit. Once you choose a lending option, the specific lender conducts a hard credit pull.

Is RefiJet legit?

RefiJet is a legitimate option for those looking to refinance their car loan, no matter the credit type. Using RefiJet allows you to speak with a personal consultant, pre-qualify, shop around for loans and select the loan that’s right for you. To get started, you can call or fill out the form on the company’s website.

RefiJet Reviews

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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed July 2, 2025

    I was looking for a way to lower my interest rate and reduce my truck payment, and RefiJet delivered on both fronts. The process was primarily conducted over the phone, although I did some of it online as well. I had the pleasure of working with a loan representative named Adam, who was exceptionally helpful. Even while I was in the midst of buying a house, he made the refinancing experience smooth and manageable. I appreciate his assistance a lot, especially since things were a bit chaotic at that time. The annual percentage rate I received was great, and I have started recommending RefiJet to friends and family because of how satisfied I am with their service.

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      Customer ServiceLoan ProcessRates

      Reviewed April 22, 2025

      What drew me to RefiJet was the excellent options they offered compared to other lenders. The refinancing process was smooth and efficient; I handled much of it while multitasking at work with my AirPods in. It only took a few hours to complete the essential steps, followed by sending some documents and signatures later. It was the easiest car-related financial process I've ever experienced.

      The customer service was stellar. They provided a perfect 10 out of 10 experience for me. If I had to recommend RefiJet to a friend or family member, it's because their services are quick, easy, and simple.

      I'm also pleased that the new annual percentage rate will significantly benefit me in the long run, improving my financial situation over time. In terms of cost, service quality, and their online platform's ease of use, my experience merits top marks across the board.

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      StaffLoan ProcessRates

      Reviewed April 16, 2025

      I needed to refinance and I was on Google when I found RefiJet. The loan officer I worked with was very informative and proficient, listening attentively to my concerns about interest rates. They managed to secure a noticeable interest rate reduction for me, which was impressive considering the generally high rates nowadays.

      Although the rates remain higher than ideal, they are significantly better than before refinancing with RefiJet. This has eased a bit of financial pressure. Interestingly, there's nothing specific I felt needed improvement within my experience, but I'd appreciate it if they could proactively reach out when interest rates drop lower—perhaps around eight months down the road—to explore any potential additional savings for me. That would be awesome.

      I'll definitely consider being a returning customer. Overall, my experience with RefiJet was satisfying.

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      Verified purchase
      Customer ServiceStaffLoan ProcessRates

      Reviewed March 1, 2025

      The refinancing process with RefiJet was incredibly straightforward. I interacted with a very helpful person who maintained excellent communication, explaining what I needed to do and what RefiJet could offer me. I compared their offer with other options but ended up proceeding with them because I was quite pleased with their proposal. The process involved filling out some forms, getting a payoff quote for my old loan, and then they efficiently took care of everything, including setting up the payment structure exactly as I desired.

      Communication throughout the process was excellent. Any questions I had were promptly addressed, and the staff was very informative, ensuring I understood everything clearly. Although I hadn't had a car loan before, they guided me on the timing and necessary steps to facilitate the refi once I was eligible. Overall, I'm extremely happy with the new rate and terms provided by RefiJet. I would rate the entire experience a 5, and I’d definitely recommend them to others seeking to refinance.

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      Verified purchase
      StaffLoan ProcessRates

      Reviewed Feb. 16, 2025

      I recently sought the services of RefiJet to resolve some financial issues I was facing due to a high-interest loan. After going through a divorce, my credit situation wasn't the best, which resulted in me acquiring a truck from CarMax with a steep 28% interest rate. I initially found RefiJet through a Google search while exploring options to refinance my truck. I had received offers from a couple of companies, but RefiJet stood out.

      Their team was exceptionally willing to help me transition out of my high-interest loan. The entire process was impressively swift, taking roughly three to four weeks to finalize everything. The terms they secured for me were outstanding—my monthly payment dropped from $1,000 to $500, which was a huge relief.

      I'm extremely satisfied with RefiJet's services and would gladly rate my experience with them a 5. I would recommend them to anyone needing similar financial solutions.

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      StaffLoan ProcessRates

      Reviewed July 3, 2025

      I worked with Justin at RefiJet and hewas incredibly informative and supported me throughout the process. Handling the paperwork for refinancing two of my cars was smooth, thanks to him. I'm thrilled with the annual percentage rate I received. I would recommend RefiJet to others based on my five-star experience.

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      Loan ProcessRates

      Reviewed July 3, 2025

      RefiJet offered a cheaper interest rate compared to others. My experience was slightly on edge at first, but it eventually turned out to be quite positive.

      I worked mostly with Christopher, who was incredibly supportive. Despite my frequent queries about the status of my application, he remained calm and reassuring, consistently providing updates and notifications.

      The application process felt a bit lengthy, taking about two weeks, but I suppose that's typical. My initial goal was to secure a lower car payment, but although that didn't materialize, I got a significantly reduced interest rate, which feels more beneficial in the long run.

      I'd recommend RefiJet to friends or family, especially if they're offered a great deal.

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      StaffLoan ProcessRates

      Reviewed April 22, 2025

      The overall lending process at RefiJet was pretty smooth, taking about a week, mostly because I had to help my mom co-sign. The reps were knowledgeable, and I appreciated their ability to make the experience feel effortless.

      The refinancing enabled me to achieve lower payments, which was my main goal. I’ve recommended RefiJet to a few friends who might be interested in better interest rates or reduced payments. Overall, I'm satisfied with RefiJet.

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      Customer ServiceLoan Process

      Reviewed March 2, 2025

      The process with Refi Jet was completed online, but it hasn't been entirely smooth. I've had a challenging time reaching anyone for help. I tried calling them multiple times to verify where to send my new payment, but nobody returned my calls. This lack of response left me feeling rather uneasy, especially since I haven't received any paperwork to guide me either.

      During the refinancing process itself, the communication was decent, and customer service wasn't bad initially. However, after completing their portion of the process, their responsiveness vanished. I've been trying to reach them since with no success. It's frustrating because they've secured the deal, but now they seem to be unavailable.

      Based on this experience, I would rate my experience with Refi Jet a 2 out of 5. The assistance was adequate until the process was finalized, but their lack of follow-up communication leaves much to be desired. For those considering using Refi Jet, be cautious and ensure you maintain direct contact until everything is fully settled.

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      Verified purchase
      Customer ServiceLoan ProcessRates

      Reviewed March 1, 2025

      The process at RefiJet was straightforward. I visited their website to get a lower interest rate, and they handled all the research and legwork. They sent me documents to sign electronically via DocuSign, and the whole process was completed in about a week.

      Communication with Refi Jet was excellent—very prompt and efficient. I'm pleased with the new rate they helped me secure. Overall, they were instrumental in helping me achieve a cheaper rate on my car loan.

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      RefiJet Company Information

      Company Name:
      RefiJet
      Address:
      5775 DTC Blvd Suite 400
      City:
      Greenwood Village
      State/Province:
      CO
      Postal Code:
      801111
      Country:
      United States
      Website:
      www.refijet.com