Fair-credit auto refi specialist with cash-out option and multi-lender quoting.
Get started at RefiJet (broker) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Fair-credit borrowers (580–660 FICO) refinancing a high-APR loan originated at the dealership.
RefiJet — Fair-credit auto refi specialist with cash-out option and multi-lender quoting. Best for: Fair-credit borrowers (580–660 FICO) refinancing a high-APR loan originated at the dealership.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
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.
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.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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