RefiJet Reviews
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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.
- Works with low-credit applicants
- Pre-qualify without a hard credit pull
- Personal guidance throughout process
- 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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Reviewed March 4, 2026
I received a letter in the mail and it was telling me that RefiJet could refinance my truck. I decided to apply with them and the process was pretty easy. Their rep walked me through it and he explained everything. He was also really helpful, but it was kind of hard to get ahold of him. I had to go through a couple of loops to get talk to him when I had a question. The whole process took a month to complete.
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Reviewed Feb. 28, 2026
I've done refinancing before, and the company that I used in the past wasn't really there. So I had no choice but to check another company. Based on the reviews and my credit, I just shot for the stars and put my credit through, and it got approved. So I went with RefiJet. The communication was good between me and my person, Arlo. Any questions I had, they were pretty much on top of it. I had no issues uploading my documents to the portal. Everything was pretty smooth about the whole process. I initiated the process on December 15th. It took a while for confirmation of the check, getting through the previous lien company. The whole process took about 21 days. But it was pretty straightforward. I'm definitely planning on using RefiJet again.
Reviewed Feb. 18, 2026
I had a really high finance on my car and when I saw an advertisement for RefiJet, I reached out to them. In fact, my wife and I both reached out to them, and they were really good. We refinanced and the process took quite a while, mainly because of my ignorance of the internet. If I was a little younger and had more experience with the internet, the process would have just been great. Sometimes I wasn't home and my wife would have to do some of it on her part, then when it came to me, they called me and I didn't know what I was doing. That was the only problem and the reps put up with my ignorance. They understood and they were great about it. They were easy to work with. They got my loan from 19% interest down to 11% interest. They saved me about $175 a month. So, I'm really pleased.
Reviewed Feb. 16, 2026
If you aren't happy with your current auto loan, you should sign into RefiJet. They sent me something in the mail. The process was smooth. Everybody was helpful and tried their best to get my prices down to what I wanted. It was an amazing experience.
Reviewed Feb. 14, 2026
RefiJet sent me a letter saying that they could refinance my vehicle. So, I gave them a call and saw what they were willing to offer. The refinancing process was pretty simple. I just talked to them and told them how much I was paying and what my rate was. I got the contract from my dealership, where I had bought the vehicle, because I was missing some sheets, and I sent it over to RefiJet. They told me that if these payment plans would work for me, and we would make that agreement and see what kind of gap insurances and warranties they provided. That was how we made the agreement. The whole process took about three days.
My loan officer was straightforward. He didn't lie to me. He said, “These are the options. What are you trying to do? How much are you trying to save?” He told me right off the bat how it was done. So, that was what I liked. The rate that they gave me is a whole lot less than what I was paying on my APR, so that was good. It was good into my eyes and my wife's eyes, so we’re good with that and we’re satisfied. It worked out fine with what we got.
Reviewed Feb. 19, 2026
Hughes, credit Union paid Refijet for the car I refinanced. Refijet, however, failed to pay off the original loan. Causing me to have to pay another payment to the original financial company. I was assured this wouldn't happen. And customer service is a joke with refi. Totally not happy with the events.
Reviewed Feb. 15, 2026
My experience was great with RefiJet. I heard about them through a third party, and when I did the application, the process was good. I enjoyed it. It was quick and simple. Dealing with the rep went exceptionally well.
Reviewed Feb. 13, 2026
RefiJet was wonderful, very timely, and we had a lot of communications. If I had any questions, they called me. So, I'm very pleased with RefiJet, and I would recommend it to anybody who was looking to do the same thing as I did. I was looking online for assistance, and it was there. So, I made the call, and everything got rolling from there. They sounded very professional, and I like the way that everybody conducts themselves.
Reviewed Jan. 15, 2026
I had been reading a lot about RefiJet as I wanted to refinance my auto. On 12/6/25 I called and began the process with Mr. Luke **. He was kind, considerate, and explained everything in detail - until he wasn't. On 12/15/25 my loan was approved, all the online documents signed with both my current lender and the new lender. Finally, on 12/31/25 I sent Mr. ** a text asking why my loan hadn't been funded yet. Mr. ** answered on 1/5/26 saying not to make the payments (December & January) and the loan would be paid before my grace period was up and I would get the payments back. Did he even remember me or our conversations? I put in a call to the Loan Processor, Nelly, to see if she could tell me why my loan hadn't been funded. I never received a text or call back from Nelly. My loan was not processed until 1/13/26!
I ended up paying the December and January payments. When I texted Mr. ** asking why the delay, he said the payment would be refunded to me once they cashed the check. No cashing - it was sent electronically and immediately applied. During our many conversations Mr. ** told me he would assist with requesting my GAP insurance to be refunded (prorated amount). When the time came, I sent Mr. ** a text and he told me to just give them a call myself, they knew the drill. He said they can't refuse to cancel it or the dealership could be shut down.
The customer service ended as soon as I had signed with RefiJet. So I did contact the dealer where I purchased my auto and they were so gracious and helpful. They walked me through the entire process including submitting the documents required. They followed up with giving me an approximate date as to when to expect the money. My experience with RefiJet quickly went downhill as soon as I signed on the dotted line. There is absolutely no excuse for sitting on a payment that is done electronically. Mr. ** had bragged about not having to make a payment for 2 months, but his and/or Nelly's lack of timely service caused that. I have saved every single text conversation with both Mr. ** and Nelly. I do believe they owe me a car payment - and probably more!
Reviewed Jan. 13, 2026
I reached out to RefiJet, hoping to simply lower my car payment on my existing auto loan. My credit is good (well above average), and I just wanted a straightforward refinance with a better rate. Instead, the rep (some pushy guy) spent the whole call trying to upsell me on every add-on under the sun—gap insurance, extended warranties, you name it—like I was buying a used car off the lot.
In the end, the "best" rate they could supposedly get me was still ridiculously high, way worse than what I already had or could find elsewhere. No real savings on the payment at all. And to top it off, they ran my credit (hard pull) multiple times just to tell me this nonsense. If you're thinking about using them to refinance your car loan, save yourself the hassle and the credit hit. Go straight to a credit union, bank, or another lender that doesn't play these games. RefiJet is basically a middleman fishing for fees and commissions, not actually helping people save money. Total disappointment—steer clear!
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