2026 Tresl Auto Loan Marketplace Review
Best for special financing: While you can’t get a traditional car loan through lending platform RefiJet , you can save money by refinancing with RefiJet or by getting a loan for a car lease buyout or a company car.
RefiJet auto loan rates and terms
| Starting annual percentage rate (APR) | Loan terms | Loan amounts | Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Minimum credit score | ||
|---|---|---|---|---|---|---|
| Refinance auto loans | 5.29% | 36 – 96 months | Starting at $5,000 | doc fee | 500 | |
| Lease buyout auto loans | 6.54% | 24 – 72 months | Starting at $8,000 | doc fee | 600 |
RefiJet pros and cons
Pros
- Offers refinancing, lease buyouts and loans if you want to buy your company car
- Can get personalized guidance from a RefiJet Finance Advisor via text, phone or email
- Accepts bad credit (500+)
- Pays off your old lender or leasing company on your behalf
Cons
- No new or used auto loans
- Doc fees can be expensive
What you need to get a car loan with RefiJet
RefiJet isn’t a lender itself. It’s a lending platform that helps you compare quotes from partner lenders, and each will have its own restrictions and requirements. In general, you and your vehicle must meet the requirements below to qualify.
- Minimum credit score: 500
- Vehicle age: 12 years or newer
- Minimum annual income: $24,000
You can prequalify for a loan to explore your options with RefiJet . Prequalifying only requires a soft credit pull and won’t hurt your score.
How RefiJet ’s starting rates compare to LendingTree’s lowest offers
Below you’ll find the average lowest offers that LendingTree users saw for auto refinance loans during Q3 2025.
RefiJet ’s rates start at a very competitive 5.29%. However, only the most qualified applicants will qualify for this platform’s lowest rates. Along with excellent credit, you usually need a higher income and a long credit history, among other factors.
| Credit range | Average lowest APR for auto refi loan offers |
|---|---|
| Excellent (800+) | 5.06% |
| Very good (740 – 799) | 5.29% |
| Good (670 – 739) | 6.13% |
| Fair (580 – 669) | 9.02% |
| Poor (under 580) | 13.70% |
Estimate your monthly payment
A recent LendingTree study found that a little more than 5% of people with a car loan are behind on at least one payment. Using a car loan calculator before you sign can help you understand your monthly costs and feel confident about your budget.
Types of RefiJet auto loans
If you’re looking for an auto loan to buy a new or used car, RefiJet won’t work for you. RefiJet ’s partners only offer the loans and products below.
- Auto refinancing: RefiJet offers car loan refinancing for customers who want to change the terms of their loans by getting better rates, lower car payments or even extended repayment terms.
- Lease buyouts: If you want to buy your vehicle once your car lease runs out, you can get a loan with RefiJet to pay for the purchase. RefiJet ’s lease buyout loans start at 5.29% APR, and you’ll pay back your loan in fixed monthly payments just like any other auto loan.
- Company cars: RefiJet has facilitated over 33,000 fleet vehicle loans. On average, it takes just 24 hours from application to approval.
- Add-ons: If you’re worried about having to pay out of pocket for unexpected car maintenance, you can add GAP insurance, vehicle service contracts and road hazard protection to your RefiJet loan.
When banks compete, you win
Would you like to save $1,346 in interest over the life of your car loan? According to a LendingTree survey, that’s how much Americans saved on average by refinancing. That’s a whopping $142 a month.
Tap into LendingTree’s exclusive network of partner lenders and see how much you could save today.
Tell us what you need
Take two minutes to tell us who you are and how much money you need for your vehicle — we’ll take care of the rest. It’s free, simple and secure.
Shop your offers
We’ll send you offers from up to five trusted lenders. Compare your offers side by side to see which one will save you the most money.
Get your money
It’s smooth sailing once you finalize your loan with your lender — you could see money in your account in as soon as 24 hours.
Is a RefiJet auto loan right for you?
If you need a loan to buy a company car or to buy out your lease, RefiJet may be worth considering. Not all lenders or lending platforms offer these types of loans. RefiJet might also help you find a lower rate on your auto loan through refinancing.
RefiJet isn’t super transparent about its eligibility requirements. Fortunately, you can prequalify and check rates without hurting your credit.
Shop around for car insurance on the LendingTree marketplace to find affordable rates. Among consumers who switched providers, 92% said they saved money and nearly two-thirds saved at least $100 on their annual car insurance rate, according to a LendingTree survey.
How RefiJet auto loans compare
It’s important to shop around and compare offers whenever you’re considering any sort of loan. Here is how RefiJet compares to a few other companies. Note that the rates and terms below only apply to refinancing, not lease buyouts or fleet purchases.
| RefiJet | LightStream | LightStream | |
|---|---|---|---|
| Starting APR | 5.29% | 6.99% | Not specified |
| Loan terms | 36 – 96 months | 24 – 144 months | Not specified – Not specified months |
| Loan amounts | Starting at $5,000 | Starting at $5,000 | Not specified – Not specified |
| Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| doc fee | No origination fee origination fee | |
| Minimum credit score | 500 |
RefiJet , LightStream and LightStream are all loan platforms, not lenders themselves. LightStream may be best if you have strong credit. It has a lower starting APR and a higher minimum credit score requirement. LightStream has the longest loan terms. Long loan terms can bring down your monthly payments, but you’ll pay more total interest.
Frequently asked questions
You must have a credit score of at least 500 to qualify for RefiJet ’s lending partners.
Yes. RefiJet is a trusted lending partner of LendingTree and offers auto refinance loans and car lease buyout loans. RefiJet reviews are generally positive, earning four out of five stars from LendingTree users.
Yes, RefiJet is a legitimate lending platform that has offered car financing since 2007.
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