Bridgecrest is a loan servicer, not a lender that competes for your business. It exists to collect the payments on Carvana and DriveTime contracts, which means the rate you signed is the rate you keep for as long as the loan stays there. If that rate stings, the fix is not a phone call to Bridgecrest. It is moving the loan to a lender that actually wants it.
The good news is that Bridgecrest loans are refinanced away every day, and the borrower profile behind them, often rebuilding credit with a dealer-priced rate, is exactly what several lenders below specialize in. The ranked routes here start with our own advisor-guided match, because a human who shops multiple lenders tends to beat a single application when credit is thin. Every option is free to price, uses a soft pull to start, and pays Bridgecrest off directly if you switch.
The advisor-guided route
RefiJet, the licensed lending partner behind our application, considers credit scores from 500 and shops your file across a network of banks and credit unions with a human advisor coordinating the paperwork and the Bridgecrest payoff. For dealer-priced loans, that advisor model matters: the wins come from finding the one lender in the network that likes your specific file.
The honest caveat: it is a phone-guided process, and if your credit is deep subprime the offer may still carry a high rate. The advisor tells you the number before anything moves, so pricing it costs nothing.
The thin-credit algorithm
Upstart's auto refinance underwrites with a model that looks past the score alone and accepts applicants from 510, live in 44 states as of 2026. For Bridgecrest borrowers whose score undersells their actual finances, that model can price meaningfully better than the dealer did.
Watch the ceiling: approvals at the bottom of the credit range can carry APRs near the legal top of the market. An approval is not automatically a win; compare the number against what you pay now.
The wide-net marketplace
AUTOPAY fronts The Savings Group's network of more than 200 lenders across all 50 states, one of the widest nets in the category. Width is exactly what a hard-to-place file needs: more lenders bidding means more chances one of them wants yours.
Note that AUTOPAY, RateGenius, and Tresl share that same network, so run one of the three, not all of them, and treat the result as one data point from one network.
The established self-serve marketplace
Caribou is a category-defining refinance marketplace with an A+ BBB rating as of 2026, and its network is fully separate from AUTOPAY's, which makes it a genuine second opinion rather than the same answer through another door.
It does not operate in every state, and its sweet spot leans toward mainstream credit, so treat it as the benchmark quote to beat rather than the rescue option.
Frequently asked questions
What is the best alternative to Bridgecrest?
Bridgecrest does not refinance its own loans, so the alternative is any lender that will pay it off and take over the loan. An advisor-guided match that considers scores from 500 is the strongest first check for most Bridgecrest borrowers, followed by thin-credit-friendly lenders like Upstart and wide marketplaces like AUTOPAY.
Can I refinance my Bridgecrest loan?
Yes, with a different lender. A new lender reviews your credit and vehicle, issues a new loan at its own rate, and sends the payoff directly to Bridgecrest. The lien transfers, and your payment moves to the new lender.
Will refinancing out of Bridgecrest hurt my credit?
Checking options uses a soft pull, which does not affect your score. Completing a refinance adds a hard inquiry and a new account, a small short-term dip that steady payments on the new loan typically outweigh.
Why is my Bridgecrest rate so high?
Carvana and DriveTime price loans for the credit profile at purchase, often deep subprime, and Bridgecrest simply services what was signed. If your credit has improved since then, the market can usually beat that rate, which is exactly what refinancing checks.
How fast can I switch away from Bridgecrest?
Most auto refinances close within days once approved. Keep making Bridgecrest payments until you confirm the old loan shows paid off, then the new payment simply replaces it.