MotoRefi Auto Loans Review

Rating: 9.5 / 10 (Excellent)
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MotoRefi is an online platform that connects applicants with lenders to find pre-qualified auto refinancing offers in minutes. The process lets consumers apply with minimal information (no Social Security Number required) and review the offers with no impact to their credit score.

How is MotoRefi rated?


Loan Options
Application & Service

Overall Rating: 9.5 / 10 (Excellent)

MotoRefi is a fast and easy option for consumers looking to lower their monthly car payment, lower their interest rate, or both, and save thousands of dollars over the course of their auto loan. Applicants can receive several pre-qualified offers without affecting their credit scores. Since shopping around for the best terms is one of the most important parts of refinancing, including MotoRefi in the search is a smart idea. Moreover, MotoRefi’s seamless technology handles all vehicle retitling and processing, saving customers the time and headache of handling paperwork. The company has an A- with the BBB.

Auto Loans & Refinancing

Loan Options - 10 / 10

Applicants can apply with minimal information (no Social Security Number required) and review their offers without impacting their credit. Customers then select the best option and submit any required loan documents online to finalize the loan. MotoRefi’s refinance offers include both "term" and “rate” refinances. A “term refinance” means that the term length of the loan is changed. A "rate refinance" means that the interest rate of the loan is changed.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Refinancing

Min. APR

Loan Qualifications

Qualification - 10 / 10

Consumers are able to pre-qualify for refinancing through MotoRefi by filling out a quick application with minimal information and no impact to their credit scores. MotoRefi accepts all vehicle makes and cars 10 years old or newer. Applicants must have credit higher than 550 in order to apply. In return, Applicants have access to some of the best terms available, and can lower their monthly car payment, their interest rate, or both.

Borrower Qualifications

Minimum Age
Must be 18 years or older
Minimum Income
Minimum Credit Score

Vehicle Qualifications

Mileage Limit
Car Age
10 years or newer
Car Makes
Any vehicle make

Application & Service

Application & Service - 9.5 / 10

MotoRefi's online application is fast and simple. Consumers receive pre-qualified offers in minutes from multiple lenders. Since consumers are receiving pre-approval, only a soft credit inquiry is done, which means consumers' credit scores are not affected by the MotoRefi's application. A handy auto loan calculator is included on the company's website, which lets consumers estimate what their monthly loan payment could be. Additionally, the company offers add-on services, like vehicle service contracts and GAP protection.
Approval Time
Pre-qualify in minutes
No fees specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Auto Loan Calculator

MotoRefi Reputation & Reviews

Reputation - 8.2 / 10

MotoRefi was established in 2016. The company has an A with the Better Business Bureau. Customers with questions can visit the website to check their rates or the status of their application, or can reach out to MotoRefi’s Customer Support Center via phone or email.
BBB Rating
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(877) 445-0070
Headquarters Address
405 Cameron Street, Alexandria, VA, 22314
Year Founded

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Top Rated
Our Partner
9.5 / 10
  • Refinance your car loan and lower your monthly payment on avg by $100 or more
  • Rates as low as 2.99% APR
  • Fast and easy online application
  • Prequalify and check your rate in minutes, with no impact to your credit score and no obligation