RefiJet vs Auto Approve
Choose RefiJet if you want to check published credit score, income, loan amount and rate ranges before you start. Choose Auto Approve if you want a quote with a soft inquiry and the option of very short or long terms, or need to refinance a motorcycle or RV. Both offer payment deferral for some borrowers and sell optional add-ons.
RefiJet
Best for published requirements
Auto Approve
Best for flexible termsRefiJet vs Auto Approve at a glance
| RefiJet | Auto Approve | |
|---|---|---|
| Company type | Refinance service with lending partners | Refinance service with lending partners |
| Credit check to see offers | Not stated on the pages we reviewed | Soft to quote; hard if you move forward |
| Published terms | 24-96 months | Typically 12-96 months |
| Published eligibility | Minimum credit score, income, loan amounts | Vehicle types; no score published |
| Application fee | None, per its site | None, per its site |
| Payment deferral | Up to three months for some borrowers | Deferred payment option for qualified applicants |
| Our editorial score | 8.9 / 10 | 8.7 / 10 |
Which should you choose?
Pick RefiJet if you want to confirm you meet published requirements before talking to anyone.
Pick Auto Approve if you want a soft-pull quote first or need to refinance a motorcycle or RV.
How they differ
RefiJet and Auto Approve are both consultant-led refinance services that work with lending partners. You talk to a person, they look for an offer that fits and they help with the paperwork. The difference is what each one tells you before you start.
What is published
RefiJet's homepage publishes an estimated APR range, a term range, loan amounts, a minimum credit score, minimum income for single and joint applicants and the requirement to have an existing auto loan on your credit history. That makes it easy to rule yourself in or out. Auto Approve's FAQ is less specific on credit and income, but it is clear on vehicles: it refinances cars, trucks, SUVs, motorcycles and RVs, and excludes commercial vehicles and vehicles titled to a company.
Credit checks
Auto Approve's FAQ says it uses a soft inquiry to quote you, visible only to you, and that a hard inquiry happens if you move forward. Its homepage says you can get a quote without your Social Security number. The RefiJet pages we reviewed do not say whether its prequalification uses a soft or hard inquiry, so ask a consultant before you share your details.
Fees and add-ons
Both say there is no fee to apply. Auto Approve's FAQ adds that refinancing can involve administrative, document and title fees, which your consultant itemizes. Both sell optional products such as GAP and service contracts. Ask for an itemized list before you sign, and decline anything you do not need.
Terms and deferral
Both offer long maximum terms and some form of payment deferral for qualified borrowers. A longer term lowers the payment but usually costs more interest overall, and interest typically keeps accruing during a deferral, so check the total cost.
The bottom line
If you want to compare without any hard inquiry, start with Auto Approve's soft-pull quote. If you want certainty about eligibility before you begin, RefiJet's published requirements are hard to beat. Getting both quotes is a sensible way to see whether one company's lenders can beat the other's.
RefiJet vs Auto Approve FAQ
Is RefiJet or Auto Approve better?
In our editorial scoring, RefiJet edges ahead on eligibility and cost transparency because it publishes its ranges and requirements. Auto Approve scores better on credit check transparency because it says quotes use a soft inquiry.
Do RefiJet and Auto Approve charge application fees?
Both sites say there is no fee to apply. Refinancing can still involve title or documentation fees and optional add-ons, so ask for an itemized list.