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If you are searching for Bridgecrest refinancing, here is the answer up front: it does not exist. Bridgecrest is not a lender you can apply to, it is the servicing company that collects payments on loans originated through Carvana and DriveTime. It has no refinance product, no rate-reduction program, and no application. Whatever APR you signed when you bought the car is the APR Bridgecrest will collect until the loan is paid off or moved.
And plenty of borrowers want it moved. Bridgecrest has logged more than 1,500 complaints with the Better Business Bureau over a three year span, with an average customer rating of 1.2 stars, much of it about servicing friction. Pair that with the above-market APRs common on Carvana and DriveTime financing, and refinancing away from Bridgecrest is one of the highest-value moves in consumer auto finance. The loan itself is portable: any lender can pay it off, take the lien, and hand you a payment that reflects your credit today.
What it does well
- Standard online account tools for payments and payoff quotes
- Reports to credit bureaus, so on-time payments rebuild your score
- Getting a payoff quote is straightforward, which makes refinancing away easy to start
Where it gives ground
- Does not refinance loans and has no rate-reduction program of any kind
- 1,500+ BBB complaints in 3 years with a 1.2 star average rating
- Services loans that often carry above-market APRs from the original purchase
No, and it is worth understanding why. Bridgecrest is a servicer, not a lender. It did not decide your rate and it cannot change it. When you financed through Carvana or DriveTime, the loan was created there and handed to Bridgecrest to collect. Asking Bridgecrest to refinance is like asking the mail carrier to rewrite the letter: wrong party, wrong job.
That means there is no version of calling Bridgecrest, being persistent, or asking for a supervisor that ends with a lower APR. The rate can only change when a new lender pays Bridgecrest the loan's payoff amount and issues a replacement loan, which is precisely what auto refinancing is.
Bridgecrest's Better Business Bureau file shows more than 1,500 complaints over three years and an average customer review of 1.2 stars. Common themes in public complaints involve payment processing, communication, and title or payoff friction. A big servicer will always accumulate complaints, but this volume and rating sit well below what borrowers should settle for.
The practical takeaway is not outrage, it is leverage: you are not stuck. Servicing quality is part of what you change when you refinance. Move the loan and you change the rate, the payment, and the company you deal with every month, all in one transaction.
Bridgecrest cannot lower your rate. A new lender can.
Check my options nowStart with a payoff quote from your Bridgecrest account, then compare refinance offers. When you accept one, the new lender sends the payoff to Bridgecrest, the lien transfers to the new lender, and Bridgecrest drops out of your life. Your payment history to date stays on your credit report, and the car never leaves your driveway.
Carvana and DriveTime purchases often carry rates above what the same borrower could get today, especially after 6 to 12 months of on-time payments. That gap is the savings. Even borrowers still in the 500s have options with refinance specialists, and checking is a soft pull that does not touch your score.
If offers are not there yet, the path is the same one every rebuilding borrower walks: autopay the Bridgecrest payment so it is never late, let the account age, and re-check the market every few months. Payment history is the heaviest factor in your score, and this loan is reporting it either way. Make it report good news.
One caution while you wait: avoid rolling this loan into a longer or larger one out of frustration. The goal is a cheaper loan, not just a different one. When the market finally beats your current rate, take the win, and until then keep the loan boring and current.
Bridgecrest makes sense if
- Carvana and DriveTime buyers who accepted financing for convenience
- Borrowers using on-time Bridgecrest payments to rebuild credit
- Anyone treating the current loan as temporary until a refinance
Look elsewhere if
- Anyone expecting Bridgecrest to lower their rate or payment
- Borrowers whose credit has improved since buying the car
- People frustrated with servicing who have not priced an exit
Frequently asked questions
Does Bridgecrest refinance car loans?
No. Bridgecrest is a loan servicer for Carvana and DriveTime, not a lender. It has no refinance product and cannot change your rate. To lower your rate, you refinance with a different lender, which pays off Bridgecrest and takes over the loan.
How do I get out of a Bridgecrest loan?
Refinance it with another lender, sell the car if its value is close to the payoff, or pay it off early. Refinancing is the usual route: get your payoff quote from Bridgecrest, compare offers, and the new lender handles the rest.
Why are there so many Bridgecrest complaints?
Bridgecrest's BBB file shows 1,500+ complaints in three years and a 1.2 star average rating, with common themes around payment processing and payoff or title friction. High servicing volume explains some of it, but the numbers are poor by industry standards.
Can I refinance a Carvana loan serviced by Bridgecrest?
Yes. The loan is a normal auto loan and any qualifying lender can refinance it. Carvana itself does not refinance, so the new loan will come from a bank, credit union, or refinance specialist.
Will refinancing away from Bridgecrest hurt my credit?
Comparing offers uses a soft pull and does not affect your score. Completing the refinance adds a hard inquiry and a new account, a small temporary effect that a lower rate and payment typically outweigh quickly.
