How Refidance Matches You with a Lender

How It Works

Refidance isn't a lender — we're a matching service. We connect you with refinance companies based on your specific profile, so you don't waste time applying to lenders who won't approve you.

Step 1: You Share 3 Data Points

We keep it simple. All we need to start is:

• Your credit score range (580–649, 650–719, or 720+)
• Vehicle year (2014–2026)
• Estimated mileage

No SSN. No hard credit pull. No lengthy forms.

Step 2: We Analyze & Match

Our system cross-references your profile against our partner lenders' criteria — including credit thresholds, vehicle age limits, LTV requirements, and geographic availability. You see only lenders likely to approve you.

Step 3: You Choose & Apply

We show you your matched lender with their key terms. If the numbers work, you proceed directly to their application. The hard credit check only happens when you decide to apply — not before.

What We Look For in Our Partners

• Competitive APR ranges across all credit tiers
• No hidden fees or prepayment penalties
• Transparent terms and clear disclosures
• Strong customer service and online tools
• Fast funding (typically 3–7 business days)

Your Data, Your Control

We never sell your personal information. The data you share on our form is used solely for matching purposes. Read our full terms for details.

Want to estimate savings first? Try the calculator — it takes 30 seconds.