RefiJet (broker)
RefiJet Review 2026
Fair-credit auto refi specialist with cash-out option and multi-lender quoting.
Quick answer
RefiJet is an auto-refinance broker accepting FICO scores as low as 580, with soft-pull pre-qualification across 10+ partner banks and credit unions and a cash-out option for borrowers with vehicle equity. It's built for fair-credit borrowers refinancing out of a high-APR dealer loan, though the final rate is set by RefiJet's partner lender, not RefiJet itself.
Who RefiJet is best for
Fair-credit borrowers (580–660 FICO) refinancing a high-APR loan originated at the dealership.
At a glance
- Credit floor
- 580 FICO
- Pre-qual
- Soft pull
- Lender network
- 10+
- Cash-out refi
- Available
Inclusive of borrowers locked out of prime platforms
See rates without credit impact
Banks + credit unions
When vehicle equity supports it
Pros
- +580+ FICO accepted — one of the lowest credit floors among multi-lender refi platforms
- +Cash-out auto refinancing available for borrowers with equity in the vehicle
- +Soft-pull pre-qual — compare offers before any credit-score impact
- +Strong support for borrowers refinancing out of high-APR dealer financing
- +Dedicated support during the application and title-transfer process
Cons
- −Broker model — final rate set by partner lender, not RefiJet
- −Vehicle restrictions similar to other refi platforms — typically under 10 years, under 150K miles
- −Higher APR ceiling for the lowest credit tiers compared to prime-credit direct lenders
RefiJet requirements
- 580+ FICO typical floor
- Existing auto loan to refinance
- Vehicle under standard age/mileage criteria
RefiJet alternatives
Top alternatives worth comparing from Best Auto Loan Refinance Lenders 2026.
AutoPay
AutoPay Auto Refinance
Similar 580+ FICO floor with GAP/warranty refund handling during the refi process
RateGenius
RateGenius Auto Refinance
Larger credit-union network (150+) for better rate competition at 620+ FICO
Caribou
Caribou Auto Refinance
Faster 2-minute pre-qual and cleaner UX for 620+ FICO borrowers
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at RefiJet (broker)→Last verified at the issuer on 2026-08-16
The full lineup
See all picks in Best Auto Loan Refinance Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
RefiJet scores 4.2 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Fair-credit borrowers (580–660 FICO) refinancing a high-APR loan originated at the dealership.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about RefiJet
How does RefiJet's cash-out auto refinance work?+
RefiJet offers cash-out auto refinancing for qualifying borrowers — you refinance for more than your current outstanding balance and receive the difference as cash. This is available when your vehicle's equity supports the higher loan amount. Not all partner lenders in the RefiJet network offer cash-out; confirm availability during the pre-qualification process at refijet.com.
What credit score do you need to refinance with RefiJet?+
RefiJet works with borrowers down to approximately 580 FICO — lower than many dedicated refi platforms that require 620 or higher. This makes it one of the more accessible refi options for fair-credit borrowers who want to exit a high-APR dealer-arranged loan. Verify current minimums at refijet.com.
Is ClearValue Lending a lender for auto loan refinancing?+
No. ClearValue Lending is a small business funding platform — not a lender, broker, or financial advisor. This review presents publicly available editorial information about RefiJet. Auto refinancing through RefiJet is arranged by RefiJet and funded by partner lenders. Rates, fees, eligibility, and terms are determined solely by the partner lender. Verify current terms at refijet.com.
What vehicle age and mileage restrictions does RefiJet apply?+
RefiJet's vehicle eligibility is set by the partner lenders in its network and varies by lender, but typical restrictions require the vehicle to be under 10 years old and under 150,000 miles. Salvage-title and branded-title vehicles are generally ineligible. The minimum remaining loan balance is typically $5,000+. Verify current vehicle criteria during the pre-qualification process at refijet.com — specific limits depend on which partner lender is matched to your application.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.