RefiJet review
Consultant-led refinance service that publishes its rate, term and eligibility ranges up front. Borrowers who want to see whether they meet published credit, income and loan amount requirements before they start. We rank it #2 of 8 in our auto loan refinance comparison, with an editorial score of 8.9 out of 10.
RefiJet scores highest on Eligibility clarity and Cost & fee transparency because its homepage publishes an estimated APR range, term range, loan amounts, a minimum credit score and minimum income. It does well on Lender access & flexibility for terms up to 96 months and payment deferral, and on Borrower support for consultant-led applications. It scores lower on Credit check transparency because the pages we reviewed do not say whether its prequalification uses a soft or hard inquiry.
How we score auto loan refinance
Visit site (RefiJet, opens in a new tab)Quick facts
Overview
RefiJet is an auto refinance service that works with multiple lending partners; its About page says it launched in 2016 to offer refinancing to a wide range of credit profiles. A consultant talks through your vehicle and goals, its system looks for offers you qualify for, and RefiJet handles paperwork with the new lender if you go ahead.
RefiJet is unusually open about its numbers. As published on RefiJet's site in November 2026, its estimated APR range is 4.29% to 21.99%, terms run from 24 to 96 months, loan amounts range from $5,000 to $150,000, the minimum credit score is 560 and you need an existing auto loan on your credit report; rates change, check your rate on the lender's site. It also lists minimum monthly income for single and joint applicants, says there is no fee to apply and mentions no payments for up to three months for some borrowers.
The pages we reviewed do not say whether checking your prequalified rates uses a soft or hard inquiry, so ask before you share your details. RefiJet also sells extended service contracts and GAP, which are optional.
Pros and cons
Pros
- Clear eligibility requirements before you apply
- Wide range of loan amounts and terms
- Consultant handles paperwork with the lender
Cons
- Credit check type not stated on the pages we reviewed
- Requires an existing auto loan on your credit history
- Long terms can increase total interest
Key features
- Published APR, term, amount, credit score and income ranges
- Terms up to 96 months
- No fee to apply, per its site
- Possible payment deferral of up to three months
- Optional extended service contracts and GAP
Who RefiJet is for
A good fit if
Borrowers who want to see whether they meet published credit, income and loan amount requirements before they start.
Look elsewhere if
Anyone who wants a self-serve online process without talking to a consultant.
How we scored RefiJet
RefiJet scores highest on Eligibility clarity and Cost & fee transparency because its homepage publishes an estimated APR range, term range, loan amounts, a minimum credit score and minimum income. It does well on Lender access & flexibility for terms up to 96 months and payment deferral, and on Borrower support for consultant-led applications. It scores lower on Credit check transparency because the pages we reviewed do not say whether its prequalification uses a soft or hard inquiry.
Our auto loan refinance score weighs credit check transparency (25%), cost & fee transparency (25%), lender access & flexibility (20%), eligibility clarity (15%), borrower support (15%). See the methodology.
RefiJet alternatives
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#1
RateGenius
Best overallRefinance platform with a large lender network and a clear explanation of soft and hard credit checks.
- Network of more than 150 lenders, per its site
- Soft inquiry to prequalify; hard inquiry when you apply
- Apply online or by phone
- Title and paperwork guidance
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#3
Auto Approve
Best for flexible termsRefinance service with soft-pull quotes, long term options and a deferred first payment for some borrowers.
- Soft inquiry to quote; hard inquiry only if you move forward
- Quote without a Social Security number, per its site
- Terms typically 12 to 96 months
- Refinances cars, trucks, SUVs, motorcycles and RVs
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#4
myAutoloan
Best for comparing offersAuto loan marketplace that returns up to four prequalified offers from one form.
- Up to four prequalified offers from one form
- Soft inquiry by myAutoloan; lenders may run soft or hard
- Free to use, with no obligation to accept
- Refinance, purchase, private party and lease buyout loans
Head-to-head
RefiJet FAQ
What credit score do I need for RefiJet?
RefiJet's site lists a minimum credit score of 560 and requires an existing auto loan on your credit history. Meeting the minimum does not guarantee approval; income and vehicle details also count.
Does RefiJet charge a fee to apply?
RefiJet's site says there is no fee to apply. The new loan may still involve title or other fees, and add-ons such as GAP are optional. Ask for an itemized list before you sign.
Does RefiJet use a soft credit check?
The pages we reviewed do not say whether RefiJet's prequalification uses a soft or hard inquiry. Ask a RefiJet consultant before you share your details.
Sources and fact check
We checked the facts on this page against RefiJet's own website on . Published ranges are quoted as shown on the provider's site on November 14, 2026; they change, so check the current figures before you apply.