Advertiser disclosure: RefiJet is our lending partner and we are paid when you refinance through our application.
RefiJet is the licensed lending partner behind RefiMeNow's own application, which is exactly why this review works harder to be honest than any other on the site. The model is an advisor-guided marketplace: a soft credit pull starts the process without touching your score, a finance advisor walks your file across a network of banks and credit unions, and you pick from the offers that fit. As of 2026 the box is wide, credit scores from 500 are considered, loan amounts run from 5,000 to 150,000 dollars, terms span 24 to 96 months, and funded loans can defer the first payment for up to 3 months. The company advertises an average payment reduction of about 150 dollars a month, a company-reported figure that depends heavily on the loan you are escaping.
The honest tradeoffs: the advisor model means talking to a human, which is a feature if you want the paperwork handled and a drawback if you wanted a purely self-serve flow. Advertised APRs start low but the range runs past 20 percent as of 2026, so thin-credit offers deserve the same total-cost scrutiny you would give any lender. And a marketplace's final terms always come from the winning lender, not the front door. We route our own readers here because the model, soft pull first, human guidance, multiple lenders competing, is the one we would use ourselves. Read the cons, then decide.
What it does well
- Soft credit pull to see options, with no impact on your score
- Advisor handles lender shopping, payoff, and title paperwork end to end
- Wide box as of 2026: scores from 500, loans from 5,000 to 150,000 dollars
Where it gives ground
- Advisor model means phone conversations, not a fully self-serve flow
- APR range extends past 20 percent as of 2026, so weak-credit offers need scrutiny
- Final rate and terms come from the winning lender, not RefiJet itself
Yes, it is the entire business. RefiJet is a marketplace with a human layer: you start with a short application that triggers a soft credit pull, a finance advisor reviews your situation, and your file is shopped across a network of banks and credit unions. You see the offers you prequalify for before any hard inquiry happens, and the hard pull only occurs when you move forward with a specific lender.
The box is wide as of 2026: credit scores from 500 are considered, loan amounts run from 5,000 to 150,000 dollars, and terms span 24 to 96 months. RefiJet also handles lease buyout financing, and funded refinances can defer the first payment for up to 3 months, which gives your budget a breather while the paperwork settles.
Most online refi brands hand you a dashboard. RefiJet hands you a person. The advisor gathers documents, explains the offers, and drives the payoff and title process with your old lender, which is the stage where refinances usually stall when borrowers go it alone. For first-time refinancers, or anyone whose loan has complications like negative equity or a co-borrower, that guidance is the product.
The tradeoff is real: this is a phone-first process. If you wanted to refinance at midnight without speaking to anyone, the model will chafe. And as with any guided sales process, the advisor is there to close loans, so bring your own discipline: judge every offer on APR and total cost, not on how easy the person made it feel.
Start the soft-pull check this review describes
Check my rate with RefiJetRefiJet advertises estimated APRs starting in the low single digits and running to roughly 22 percent as of 2026, with the usual truth attached: the floor belongs to excellent credit and the ceiling to the riskiest funded profiles. The company also advertises an average payment reduction of about 150 dollars a month. That is a company-reported average, and like every such figure it blends genuine rate cuts with payments lowered by stretching the term.
The way to use those numbers: ignore the averages, get your actual offers, and compare each against your current loan on total remaining cost. A payment that drops while total interest rises is a loan getting more expensive in slow motion. A good advisor will walk through that math with you; ask for it explicitly.
Disclosure, plainly: RefiJet is the licensed lending partner behind this site's refinance application, operating under NMLS #1329867, and RefiMeNow is compensated when readers fund loans through it. That relationship is why this page carries a partnership disclosure instead of our standard independence disclosure, and it is why this review goes out of its way to name the tradeoffs.
We chose the partnership because the mechanics match what we would want as borrowers: a soft pull before any commitment, multiple lenders competing rather than one take-it-or-leave-it price, and a human accountable for the annoying parts. If you start an application from this site, that is the machine you are stepping into, and you can walk away at any point before signing with zero cost and zero score damage.
RefiJet makes sense if
- Borrowers who want a human coordinating the whole refinance
- Credit scores from the 500s up, which many lenders decline outright
- Anyone who wants options priced before any hard credit inquiry
Look elsewhere if
- People who want a purely digital, no-phone-call process
- Borrowers chasing the absolute floor rate with excellent credit, price credit unions too
- Anyone unwilling to compare total cost before accepting a payment-focused offer
Frequently asked questions
Does RefiJet refinance car loans?
Yes. RefiJet is an advisor-guided auto refinance marketplace. A soft credit pull surfaces prequalified offers from a network of banks and credit unions, and your advisor handles the payoff and title work for the offer you choose. Lease buyouts are covered too.
Does checking my rate with RefiJet hurt my credit score?
No. The process starts with a soft credit pull, which does not affect your score. A hard inquiry happens only when you choose a specific lender's offer and submit a full application.
What credit score do I need for RefiJet?
Scores from 500 are considered as of 2026, which is among the widest boxes in the category. Offers at the low end carry higher APRs, so compare total cost against your current loan before accepting.
Is RefiJet affiliated with RefiMeNow?
Yes. RefiJet is the licensed lending partner that powers RefiMeNow's refinance application, under NMLS #1329867, and RefiMeNow is compensated when loans fund through it. This review discloses that relationship and covers the cons anyway.
How fast do payments start after refinancing with RefiJet?
Funded loans can defer the first payment for up to 3 months as of 2026. That is breathing room, not free money: interest accrues, so factor the deferral into your total-cost comparison.
