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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.

Visit www.refijet.com
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.

Still have questions?

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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    Verified purchase
    Staff

    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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      Verified purchase
      Customer Service

      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.

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      Customer ServiceBillingLoan Process

      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.

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      Customer ServiceSales & MarketingStaffLoan ProcessRates

      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.

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      Punctuality & SpeedStaff

      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.

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      Customer ServiceContract & TermsCoverageTechStaffBillingLoan ProcessRatesHonesty & Transparency

      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.

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      Customer ServiceStaff

      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.

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      Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaffBillingLoan Process

      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!

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      Customer ServiceCoverageStaffBillingLoan ProcessRates

      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!

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      Punctuality & SpeedLoan Process

      Reviewed Dec. 15, 2025

      Because of RefiJet’s inaction, my plates expired and I’ve been unable to legally drive my car for weeks. I started a lease buyout with them in late September 2025 and paid extra for them to handle the title and Virginia registration. They requested the title from my leaseholder on October 14, it was released on October 16, and then they sat on it until November 11 — when they finally sent it to Virginia only after I chased them for missing loan documents. Since then, every person I’ve spoken with has been defensive and unhelpful, repeating “the process takes a long time” instead of admitting they caused the delay. As of December 15, my registration is expired, my plates are unusable, and RefiJet somehow had my new plates sent to their address, so I’m still waiting for them just to mail me what I need to drive. If you value your time, your sanity, or your ability to use your own car, steer clear of RefiJet.

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      PriceRefunds & PayoutsLoan ProcessRates

      Reviewed Dec. 2, 2025

      During the initial phase of the application, I was told a 4.99% APR rate to refinance my auto loan. Then I was told 5.24% APR plus a $200 gift card due to an incorrect quote. Paperwork came in at 6.25% APR including a $495 fee charged that was never disclosed. I canceled the application.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed Oct. 29, 2025

      I received the worst customer service from **. He originally told me that I’d receive a refund check in the amount of 4k plus. After about a month, I hadn’t received any payment so I called ** but never received a response (3 calls and a few texts). I called the main number and spoke with Chris (amazing customer service). Chris did all he could to help, but ultimately said that Winthrop would need to call me to resolve. When Winthrop called, he was immediately short, irritated, and rude. He blamed me for his miscommunication and said that my refund would be a couple of hundred, not 4k. He then proceeded to talk over me, raise his voice and then hung up on me. I called the main number back to provide the horrific treatment by Winthrop. I reached a very late end representative (I’ve forgotten her name, but she was awesome). Currently waiting to hear back…..

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      Refunds & PayoutsLoan ProcessTransparencyHonesty & Transparency

      Reviewed Oct. 16, 2025

      I recently refinanced my car loan and they added 4k with no explanation and I’m a disabled widow on a very fixed income. I don’t know what to do to get my money back and the salesman tried to tell me the overage was returnable by doing something with the previous warranty which is ridiculous and he’s ghosting me now. I honestly don’t know what to do.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffBillingRates

      Reviewed Sept. 18, 2025

      I am changing this review to 1 star because they did not pay the full amount to Honda. RefiJet held back $978 instead of paying to Honda and is planning to refund the $978. This means that I have to pay Honda $980.60 instead of just $2 as a last payment and I have to pay interest to pay Consumers Credit Union for the $978 that is currently in Limbo (it is neither with me nor has been paid back to Consumers Credit).

      RefiJet's support agent states that they will send me the check within 1 month of me calling them. Honda cashed the cheque on 05th September and I call them on 15th September and RefiJet's employee told me that I would get the check on 15th October 2025. Why are you waiting for my call to start the check refund process? Also, they promised that they would push Honda to get the check cashed in within 5 business days but it took them close to 24 calendar days before Honda cashed their check. This company is not keeping its promises and making their customers pay interests.

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      Customer Service

      Reviewed Aug. 16, 2025

      Applying for a loan with Refijet was such a relief. I can breathe a little bit. The process wasn’t hard. It took a couple of days from application to approval. The hardest part for me was signing that payment deal. But I’d still tell friends to give them a call and use them.

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      Customer ServicePunctuality & SpeedStaffLoan ProcessRates

      Reviewed Aug. 14, 2025

      My bank recommended RefiJet so they were the first ones I reached out to. They had a good offer, the rate was better than the market, and I was okay with that. The process was straightforward and the loan consultant I worked with was very thorough and excellent. I had a great experience with RefiJet.

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      Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRatesTransparency

      Reviewed Aug. 14, 2025

      RefiJet did very good. I called them up to ask about a refi and they were friendly, did everything in a timely manner, and they worked conveniently around my schedule when I needed to talk to them. Uploading the documents needed was very easy, and the consultants kept me updated on what the next steps were, so it was a great experience.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffRatesTimeliness

      Reviewed July 24, 2025

      RefiJet was the first one that came up with good reviews when I was learning about refis. I was able to go in, click the link, and immediately apply. And within the next day, I received a notification and a call from my representative. He was informative and got me convinced. I did my application on a Friday and we had to wait until Monday. But even then, they were responsive. It was simple and RefiJet offered a competitive rate. I was impressed with the communication. It was very helpful that whenever I had a question, they were always there to clarify and go over exactly how everything worked. I had a great experience and people should seek out a quote from RefiJet.

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      Customer ServiceStaff

      Reviewed July 24, 2025

      Their customer service is excellent. I'd never done this before so I thought it was difficult. But with their help, it makes it a lot easier. They were very nice, understandable and patient Maybe it's too much asking for it, but they didn't offer me a choice for the language. But they helped me a lot. I really appreciate it. The whole team is amazing. Thank you RefiJet.

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      Customer ServiceCoverageOnline & AppStaffBillingEase of UseRates

      Reviewed July 21, 2025

      My experience with RefiJet was perfect. I applied online and someone reached out to me for insurance and a couple of other documents, and it was done in 10 days. The process was over text and email, so it was efficient. The rates are high for everyone, but RefiJet saved me quite a bit monthly, which was what I was keen on.

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      Verified purchase
      Customer ServicePunctuality & SpeedOnline & AppStaffRates

      Reviewed July 21, 2025

      I refinanced my truck and my car with RefiJet. It was very easy speaking with a representative. Adding to that, using their portal to upload documents and the ease of use of their website was easy. They got it done quickly. The interest rate now is high but it is what it is. I referred my cousin, and she was already in the middle, and she had nothing but trouble. So, she got it refinanced through another company. Beside that, I am happy with RefiJet.

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      Customer ServiceCoveragePricePunctuality & SpeedStaffBillingLoan ProcessRatesValue

      Reviewed July 20, 2025

      I chose RefiJet because they accepted my credit and the interest rate was a lot better than the other companies. My loan officer was caring and helped me with everything, even when I was doing the documents, because Im not computer smart. He helped me how to download the stuff and where to print it out at, and what to sign. That guy was awesome. He basically helped me with everything. I was probably dumb to him because I didnt know none of that stuff, but every time I texted him or called him, he always answered me.

      I thought the rate and terms I got were good because everyone else was more. Its a big difference because I am still building my credit back up. I would give the pricing 4 stars because I was a little surprised because you gotta pay these different fees, and it added up to almost $4,000. I didn't know it was gonna be that much, but I got a good interest rate, so that made it better. Plus the warranty I got with it is good too. That overlooked the extra money, because some of the extra money was included with that extra warranty too. When I get another car, I plan on using them again.

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      Customer ServicePriceStaffLoan Process

      Reviewed July 20, 2025

      RefiJet gave me the best quotes. I was trying to refinance my car and get my co-applicant off the loan, and they gave me a good quote on it, and we went from there. The process was pretty easy. It didn't take that long. The communication was also good. The rep answered all my questions and got me in the right direction. He answered everything. Overall, they’re great.

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      StaffLoan Process

      Reviewed July 13, 2025

      RefiJet helped me understand how much we were paying. I was at the point where my credit was built up and I wanted to reduce my car payment, so which is what I did.

      The application process was pretty easy. They asked for certain documents and I sent them in. And approval came pretty fast. It took a week and a half altogether. Everything went okay.

      The loan officer explained to me about our own loan and what we're paying, which we were kind of aware of, but it really hit me in the face when we saw it. But I was trying to build up my credit to get to the lower rate. I wasn't able to do so beforehand. He had the best deal, because he took the time. And whenever I had a question, I could call and he always answered my question. It will have a positive impact on my credit. And it would be nice to get this paid off in a few years.

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      Verified purchase
      StaffRates

      Reviewed July 3, 2025

      I looked up RefiJet on Google and the guy I spoke with, Justin, helped me out with everything. He helped me get two cars refinanced and he was informative. Also, I'm happy about the rates I received.

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      PriceBillingRatesTransparency

      Reviewed July 3, 2025

      I dealt with Christopher and he was really awesome. I pretty much bugged him about when the funds were coming. He was helpful with being calm and tending to me, reassuring me that everything was gonna work out. He was sending me notifications as well. The process was a little lengthy though. It took RefiJet a good two weeks. The experience was a little on edge, but it all panned itself out so it was a good one. My goal was to get a cheaper car payment, but I didn't get that. But I'm okay with what I got because I have a cheaper interest rate. RefiJet helped me out, and I would tell others to go with them if they gave them a great deal.

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      Customer ServiceStaffBillingLoan ProcessRates

      Reviewed July 2, 2025

      RefiJet lowered my interest and reduced my truck payment. I did most of the process over the phone. Adam, the loan rep, was very nice. I could call him and ask things, and he helped me out. They had the information from my mortgage company, and they were quite cooperative. The annual percentage rate that I received was great, and the price to do business with them was also great. I have recommended them to one of my friends.

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      Customer ServicePricePunctuality & SpeedStaffEase of UseRates

      Reviewed April 22, 2025

      RefiJet offered me the best options. The process was pretty simple. I was at work with my AirPod, and I did the whole thing with them. Almost all of it was done within a day in a few hours. Then, I had to send some paperwork and do some signatures.

      Overall, it’s probably the easiest process I’ve ever had to deal with for a car. I’d tell a friend or a family member to go through RefiJet if they’re considering refinancing. It's quick and easy. It’s going to help a lot in the long run.

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      StaffBillingRates

      Reviewed April 22, 2025

      The lending process was pretty smooth. It took a week because of the cosign with my mom, and I had to help her. The representatives were experienced and knowledgeable. I wanted a lower payment, and I got that. I told a few friends that if they want a lower payment or a better interest rate, give RefiJet a call.

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      StaffLoan ProcessRates

      Reviewed April 16, 2025

      The loan officer from RefiJet was very informative and proficient. They listened to my concerns about interest rates and found me quite a bit of an interest rate cut, but even with that, it’s still high. But it is not as it was prior to the refinancing.

      I would definitely be a returning customer if they would reach out after eight months and interest rates start to plummet. Then a courtesy call asking, “Would you mind if we look to see if we could save you some more since interest rates are down?” That would be awesome.

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      Customer ServiceStaffBillingRates

      Reviewed March 2, 2025

      The refi process took a while for it to be completed but the communication was pretty good. However, I don't know where I'm supposed to send the payment. We did it all on the computer, so I don't have the paperwork. I've called RefiJet three times and and left three messages, my daughter called, and nobody has returned our calls. So I was starting to get a little nervous. They were helpful up until their portion was done. I'm not impressed.

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      Customer ServicePricePunctuality & SpeedStaffBillingLoan ProcessRates

      Reviewed March 1, 2025

      I did an internet search and saw RefiJet. The process was super easy. I had a very nice guy who had a lot of communication with me, told me exactly what I needed to do and told me what they could give me. I filled out some forms, and then the actual lender called me. I took the information and checked around to see what else I could get, but was really happy with what he offered. I had to wait a little while until I paid off a few months of my loan, then I had to get a payoff quote and they paid it off. Everything went really smoothly. I got it set up exactly how I wanted it.

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      Customer ServicePricePunctuality & SpeedOnline & AppStaffLoan ProcessRates

      Reviewed March 1, 2025

      I wanted a cheaper, lower interest rate on my car, and RefiJet helped me. It was a pretty simple process. I went on their website, and they did the research, all of the footwork, and sent me over a DocuSign. We got it all taken care of within a week or so. Communication was very good. It was prompt, quick and easy.

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      StaffBillingLoan ProcessRates

      Reviewed Feb. 16, 2025

      When I went through my divorce, my credit wasn't great. I left with the couch, and had to put a lot on my credit card. I bought my truck new off the lot, but it got hit and totaled. During COVID, I had to get a new truck, but my credit wasn't great. I got one from CarMax, but the interest rate was 28%.

      I googled options and got a couple different offers from companies. AutoPay was one option, but RefiJet was the best. They are willing to get it done, they knew I was stuck with a high-interest loan and wanted to get me out of it.

      The rates and terms were great, I was stuck at 28%, so anything was better than that. My payment went from $1,000 to $500 in a couple of weeks. It worked out really well.

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      Punctuality & SpeedStaff

      Reviewed Feb. 16, 2025

      I got a cash-out refi online from RefiJet. The lending process was quick and smooth. From beginning to completion, it took only a couple of days. It was a great experience, actually. Everybody was responsive.

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      Customer ServiceStaff

      Reviewed Feb. 14, 2025

      I highly recommend RefiJet. The process was simple. They made everything easy and they catered to my needs. It took a couple of days, but I had good communication with them. I'd give them a call, leave a message and they’d call me back within the next hour or so.

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      Customer ServiceStaff

      Reviewed Feb. 12, 2025

      Refijet was a great way to refinance my truck. The staff was helpful and kept me informed at every turn. They was just a call away anytime I needed them all through the process. They was helpful and the staff was like a friend.

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      Punctuality & SpeedStaffRates

      Reviewed Feb. 1, 2025

      The loan process with RefiJet was fast and easy. It came in the time frame I needed it to. Their reps were knowledgeable. The rate and terms was great, too.

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      Staff

      Reviewed Jan. 30, 2025

      Mark, the rep from RefiJet, was the only person that I had contact with and he gave me a lot of back information if I wanted to refi again and different things with my warranties. He told me stuff that I had no idea about. So, it was very helpful. The refinancing process was a lot of paperwork, but it was simple.

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      PriceRates

      Reviewed Jan. 28, 2025

      The rates are legit but they won't tell you about the $495 fee they charge. I had to pry it out of them!! That seems deceiving if you ask me!!! When I asked if there were any fees the guy seemed to sweep it under the table by saying oh yea like just $495 was a good deal because I'm saving 1 percent... LOL

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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