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RefiJet

RefiJet Reviews

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Written by Lorraine Roberte
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Edited by Jon Bortin
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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.

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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    Review featured by RefiJet
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    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 27, 2023

    The gentleman who helped me at RefiJet was very customer service oriented. We did everything online and the process was excellent. At the time, I was at work and I couldn't leave the office. And it was very convenient for me that I didn't have to leave my office. I was able to do everything on my time and he worked around me. He was very helpful and explained what I had to do step by step. I was able trust him because even though we were over the phone, when I asked if there was an email he could send me so I would know that the transaction was legit, he did so professionally. He also sent a text, so that helped me. The whole process took two weeks but that was my fault because it could have been faster. I was also happy with the rates and terms of the loan. I've been referring people to Refijet and I've been telling them that it was a very good experience.

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    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 April 22, 2024

      RefiJet contacted me on the weekend when I was available, which the timing was great. It was convenient timing and worked around my schedule. Also, I was really happy with the process. They didn't take up much of my time and they were able to schedule it around my work. They asked what my goals were and they were able to work with what I was planning on and helped me figure it out that way. They explained everything and the two people that I worked with were very helpful.

      The only thing I was a little confused about, even though they tried to explain it to me, were the different rates and the fees that were associated with interest percentages. It was a little bit close to the end when I was kind of told about what the final cost was with the fees. They did tell me about the fee and it wasn't like they were hiding it, but I would have liked to have known about that a little bit earlier. That's something I would have just paid upfront not to pay interest on it. I wasn't sure if there were other alternatives with it.

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      Customer ServiceLoan ProcessRates

      Reviewed April 2, 2024

      I came across an email and decided to put in my information and stuff. Then someone from RefiJet reached out to me within a very prompt amount of time, so I started working with them. I was able to get them all the information that they needed to start working on the loan right away and I liked that I didn't have to wait too long. There was always someone available to answer my questions and they were able to give me a significantly lower interest rate than what I was paying before. I've had refinances before where I was the one reaching out and following up. But with Refi, that was not something that I had to worry about. I also liked that they let me know the step by step process.

      The application was thru a secure website and it took a whole two days for them to start my loan and set it up. I uploaded all the documents that they needed, provided my VIN number, the mileage, the current loan that I had at the time, and the information for that, then they took care of the rest. All I needed to do after that was sign. I've also made my first payment towards my loan and it was hassle-free. But I wish I would have been informed when they added additional funds for gap insurance. Being that it is an older vehicle, that depreciation is there and it's always good to have gap insurance, but I didn't know what the cost of it was. If I would have known that was going to be added on to my loan, I could have found a lower rate with my current insurance. Other than that, if I knew somebody needed to refinance, I would recommend RefiJet to them because my experience was very positive.

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      Customer ServiceStaffLoan ProcessRates

      Reviewed April 1, 2024

      RefiJet was great. I put an application in with them and they were willing to help me. They were awesome. Their application process was very easy. They explained the process as we went along. I just filled out a little bit of information and it was simple. The only complication I had is my car was registered in a different state and we had to wait for a letter from the VA for me to get it, and I had to register in the state that I'm in currently, but that had nothing to do with RefiJet. It had to do with the legalities of me residing in one state and my car being registered in another state.

      Clyde was my loan officer and he was really detail-oriented. He explained everything in terms that I understood. He was on top of answering my questions. There was no lag. There was a period of 10 hours where he didn't get back to me right away, but that was because I got to him at close of business. So, I had to wait until the next morning, and he responded really quickly. He was on top of things. He was diligent. He wasn't pushy at all. He explained the different loans that were available to me with the company that I refinanced through. He was awesome. He was well-spoken.

      RefiJet had awesome terms. I was paying over 700 dollars a month for my car payment, and they got it down to where it was under five. They got me down to 8.45% interest. I'm happy with the rate I got. It is very reasonable. They charge $495 and that was written into the loan. It's out of pocket but it's part of the loan package. They're doing all the hard work, so they deserve something. I'd tell others that RefiJet will work with them to get them the best rate out there.

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      Verified purchase
      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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      Verified purchase
      StaffLoan Process

      Reviewed Feb. 16, 2025

      I had the pleasure of working with RefiJet for a cash-out refinance that I found online. The entire process was quick and smooth, taking about three to four days to complete. I was impressed with how responsive the team was whenever I had questions or concerns. It was a great experience.

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      Verified purchase
      Customer ServiceLoan Process

      Reviewed Feb. 14, 2025

      I recently looked up RefiJet online to compare lenders and ultimately chose them due to their excellent customer service. The refinancing process was straightforward, taking only a couple of days to a week to complete. They made everything easy and it seemed like they really catered to my needs. The communication was smooth too; whenever I called and left a message, they called me back within the next hour. Overall, I highly recommend RefiJet.

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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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      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