RefiJet
RefiJet is a US-based consumer auto loan refinancing platform founded in 2016, matching individual borrowers with bank, credit union, and financial institution lenders across all credit tiers through dedicated phone-based and online self-service channels, with motorcycle and lease buyout extensions.
- Company typePrivate
- Founded2016
- HeadquartersGreenwood Village, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What RefiJet does
RefiJet is a US-based consumer auto loan refinancing platform founded in October 2016 and headquartered in the Denver, Colorado metropolitan area (Greenwood Village). The company targets individual borrowers holding existing auto loans, helping them refinance into better terms — lower monthly payments, reduced interest rates, or alternative loan structures — across cars, trucks, SUVs, motorcycles, and lease buyouts. RefiJet serves the full credit spectrum with a stated minimum FICO of 500, advertised APRs ranging from 4.29% to 21.99%, loan amounts from $5,000 to $150,000, and terms from 24 to 96 months. The company does not charge application fees and offers soft-pull pre-qualification.
The platform operates a hybrid distribution model combining a phone-based inside-sales operation with dedicated Financial Services Representatives assigned to each customer and a secure online self-service portal at my.refijet.app. Core technology includes a custom application processing system with automated lender matching that evaluates borrower profiles against criteria from multiple bank, credit union, and financial institution lending partners, plus an encrypted document management portal. The company emphasizes regulatory compliance with CFPB, FCC, FTC, and state-level requirements, supported by board oversight, formal employee training, third-party penetration testing, and 24/7 monitoring.
RefiJet earns revenue through transaction fees on successful loan originations, complemented by add-on protection products (Extended Service Contracts and Guaranteed Asset Protection) that can be rolled into the refinance loan. The company has expanded product surface to include motorcycle refinancing, lease buyout loans, and a mortgage cross-sell partnership with Trusted American. Brand and trust signals include Inc. 5000 recognition in 2021, BBB Torch Award Finalist status, LendingTree #1 Auto Finance Customer Satisfaction for Q4 2025, 4.8/5 average ratings across Google and Trustpilot with 1000+ reviews, and editorial coverage in Forbes, Business Insider, Markets Insider, and NerdWallet. The company is privately held with no disclosed institutional funding rounds.
RefiJet firmographics
Firmographics- Name
- RefiJet
- Legal name
- RefiJet
- Website
- https://refijet.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- RefiJet is a US-based consumer auto loan refinancing platform founded in 2016, matching individual borrowers with bank, credit union, and financial institution lenders across all credit tiers through dedicated phone-based and online self-service channels, with motorcycle and lease buyout extensions.
- Ownership category
- akta.pro rank
RefiJet industry classification
Industry- Product category
- Consumer Auto Loan Refinancing
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Auto Refinance (FSAKADAB)
- akta.pro secondary industry
- Auto Loan Refinance (Rate/Term) (FSAKAIAG)
Keywords
Where RefiJet is headquartered
LocationHeadquarters
- HQ city
- Greenwood Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
RefiJet business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Auto Loan Refinancing Origination: RefiJet earns revenue by facilitating auto loan refinances between customers and lending partners (banks, financial institutions, credit unions). The company matches borrowers with appropriate lenders and handles the refinancing process including document preparation, title transfer, and loan servicing coordination.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Auto Refinance - APR Range 4.29%-21.99% |
| Other | Pay-as-you-go | Minimum Qualifications Required |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
RefiJet product offering
Product offeringCore offering
RefiJet is a consumer-facing auto loan refinancing company that matches individual borrowers with a network of bank, credit union, and financial institution lenders to replace existing auto loans with better terms, lower monthly payments, or reduced interest rates. The company also offers motorcycle refinancing, lease buyout financing, and add-on protection products including Extended Service Contracts (ESC) and Guaranteed Asset Protection (GAP) coverage that can be rolled into the refinance loan.
Product overview
RefiJet operates as a consumer-facing auto loan refinancing platform offering a suite of financial products centered on vehicle refinancing. The core offerings include Auto Loan Refinancing and Motorcycle Refinancing services, which allow customers to replace existing loans with better terms. These core products are supported by add-on modules including Extended Service Contracts (ESC) for vehicle protection and Guaranteed Asset Protection (GAP) for total loss coverage. The platform also provides Lease Buyout Loans for customers looking to purchase their leased vehicles. An Auto Loan Calculator tool helps customers estimate savings. All products are accessible through a hybrid online/telephone process with dedicated Financial Services Representatives.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Loan Refinancing Primary service that allows car owners to replace their existing auto loan with a new one at better terms, potentially lowering monthly payments, reducing interest rates, or adjusting loan structures. Available to consumers across all credit tiers with minimum 500 credit score.
- Motorcycle Refinancing Specialized refinancing service for motorcycle loans, helping riders secure lower monthly payments, better interest rates, or more favorable loan terms for cruisers, touring bikes, sport bikes, and scooters.
- Lease Buyout Loans Financing solution that helps customers purchase their leased vehicle at the end of the lease term, replacing the balloon payment with a traditional auto loan.
- Extended Service Contracts (ESC) Vehicle protection plans that cover major repairs including engine, transmission, electronics, and high-tech systems, with optional towing and lodging coverage that can be rolled into the refinance loan.
- Guaranteed Asset Protection (GAP) Optional protection coverage that pays the difference between the vehicle's value and the loan balance if the vehicle is totaled or stolen, covering up to 150% of retail value plus deductibles up to $1,000.
Quantifiable outcome
- Average monthly savings of $150/month on auto loan payments
- +3 more outcomes
Companies that use RefiJet
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
RefiJet technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
RefiJet partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered flagship, minor and core.
- LendingTreeflagshipRefiJet achieved #1 ranking in Auto Finance Customer Satisfaction on LendingTree for Q4 2025, indicating a significant partnership for lead generation and customer acquisition through LendingTree's marketplace platform.
- Trusted AmericanminorCross-sell partnership where RefiJet refers customers seeking mortgages to Trusted American. Links to Trusted American mortgage application appear on RefiJet website.
- Multiple Bank, Financial Institution, and Credit Union LenderscoreRefiJet partners with multiple bank, financial institution, and credit union lenders to provide auto refinance options across all credit tiers. The company matches customers with appropriate lenders based on their credit profile and financial situation.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
RefiJet competitors and assessment
Company assessmentDirect peers
- Caribou: Direct auto refinance competitor that matches borrowers with a network of lending partners and serves a similar credit spectrum. Operates with the same intermediary model and target customer as RefiJet.
- RateGenius: Auto loan refinancing platform that connects consumers to a lender network across credit tiers. Highly comparable business model, product, and target customer base to RefiJet.
- iLending: Auto refinance broker offering rate-shopping across a network of lending partners with similar customer-segment focus and transaction-fee revenue model.
- MotoRefi: Auto refinance platform focused on matching consumers with lender partners; competes head-to-head for the same near-prime and prime refi borrower as RefiJet.
- Autopay: Auto refinance and loan shopping marketplace that pairs consumers with multiple lenders, with a comparable product set including add-on protection products.
- MyAutoLoan: Online auto lending marketplace that matches consumers with a lender network for purchase and refinance loans, directly overlapping with RefiJet's core offering.
Broad incumbents
- LendingTree: Broad consumer finance marketplace where RefiJet has won the #1 auto finance customer satisfaction ranking. Acts simultaneously as a major customer-acquisition channel and a marketplace competitor for consumer refi demand.
- LightStream: Online lending division of Truist that offers auto refinance and other unsecured loans directly to consumers, competing for the same prime refinance demand that RefiJet serves.
- Capital One Auto Finance: Large bank-owned auto lender with a direct-to-consumer refinance offering and a national footprint, competing for prime refi volume and indirectly shaping the lender-partner landscape RefiJet depends on.
Emerging players
- Credible: Multi-product consumer finance marketplace that includes auto refinance alongside student loans and mortgages, with a comparable lender-matching business model and DTC acquisition approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
RefiJet social profiles
Digital presenceRefiJet financial estimates
Financial estimateRevenue estimate
Valuation estimate
RefiJet leadership team
Management profileNumber of profiles
Profiles1 record
RefiJet funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RefiJet M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RefiJet
What does RefiJet do?
RefiJet is a consumer-facing auto loan refinancing company that matches individual borrowers with a network of bank, credit union, and financial institution lenders to replace existing auto loans with better terms, lower monthly payments, or reduced interest rates. The company also offers motorcycle refinancing, lease buyout financing, and add-on protection products including Extended Service Contracts (ESC) and Guaranteed Asset Protection (GAP) coverage that can be rolled into the refinance loan.
Is RefiJet a public or private company?
RefiJet is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RefiJet founded?
RefiJet was founded in 2016. It employs 101 to 250 people.
Where is RefiJet based?
RefiJet is headquartered in Greenwood Village, United States, in the North America region.
How does RefiJet make money?
One revenue line is on record: auto Loan Refinancing Origination.
Who are RefiJet's main competitors?
Direct peers on record are Caribou, RateGenius, iLending, MotoRefi, Autopay and MyAutoLoan. Broad incumbents are LendingTree, LightStream and Capital One Auto Finance. Credible is listed as an emerging player.
Does RefiJet have an API?
No public API is recorded for RefiJet.
What industry is RefiJet in?
RefiJet's product category is Consumer Auto Loan Refinancing. Its primary akta.pro industry code is FSAKADAB, Auto Refinance, with a secondary code of FSAKAIAG, Auto Loan Refinance (Rate/Term). Its SIC code is 6163.