How we review lenders, and how we make money

The APRs, credit floors, vehicle limits, and funding times across this site are representative estimates compiled from lender guidelines and public rate information. They are midpoints for typical borrowers in each credit band, not quotes and not offers to lend. Your actual terms always come from the lender at underwriting, based on your verified credit, income, and vehicle.

Every lender across our reviews, comparisons, and rankings reads from one internal data source, so the numbers you see on a review, a head-to-head table, and the homepage board always agree. When lender guidelines change, we update that source and every page updates with it.

Each lender is scored on four dimensions: rates and fees, approval flexibility, speed and ease, and service and support. The headline rating reflects those scores together with customer review volume and sentiment. We spell out the reasoning under every score bar on every review, so you can disagree with our weighting and still use our data.

A high rating is not a recommendation for everyone. A strong-credit specialist can be a five-star experience for one borrower and an automatic decline for another, which is why every review includes a plain “is a fit if / look elsewhere if” section.

RefiMeNow is operated by Yield Solutions Group, the team behind RefiJet, and the institutions we cover are the banks, credit unions, and finance companies that fund loans through the RefiJet network. Within any ranking, lenders are ordered by genuine fit for the category being ranked, and every placement must be defensible from the lender data alone.

If a lender does not fit a category, it does not appear in that ranking, no matter the relationship. You will notice some of our lists are short. That is what honest filtering looks like.

RefiMeNow is a comparison marketplace, not a lender. We receive compensation from network lenders when borrowers connect with them through our match flow. That compensation may affect how and where offers appear, and it is why we can offer the comparison service free.

What compensation does not do: change a lender’s figures, hide a lender’s weaknesses, or put a lender in a category it does not fit. Our reviews list the cons of every lender in the network, including our featured partner.

We do not link you to ten lender websites to fill out ten applications. Instead, one short flow screens your profile against every lender’s actual criteria at once and shows you sample rates for a profile like yours. No credit check runs to show them, so your score is never affected; a credit inquiry happens only if you choose a rate and RefiJet, our licensed lending partner, processes your application.

If you spot a figure that looks out of date, tell us at contact@refijet.com and we will verify and fix it. Accuracy complaints get fixed before marketing requests do.