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FiWize Auto Refinance

in Auto Loan Refinancing from FiWize

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FiWize Auto Refinance

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Highlights
Highlights
APR  (Fixed APR) 2.94% - 15.99%
Credit Score Range 560 - 850
Loan Term 36 - 84 months
Loan Amount $7,500 - $100,000

FiWize Auto Refinance Review

FiWize Auto Refinance is an auto loan refinance offering by FiWize, based in Scottsdale, AZ. Founded in 2017, FiWize offers auto refinance loans in 3 states across the USA.

How much can you borrow via FiWize Auto Refinance?

Auto refinance loan amounts start at $7,500 and go up to $100,000.

What are the auto loan refinancing rates offered through FiWize Auto Refinance?

FiWize Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 2.94% APR up to 15.99% APR.

What is the maximum loan term you can get with FiWize Auto Refinance?

FiWize Auto Refinance offers auto refinancing with terms ranging from 36 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does FiWize Auto Refinance charge an origination fee on auto refinance loans?

No, FiWize Auto Refinance does not charge a loan origination fee for refinancing an auto loan.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does FiWize Auto Refinance charge a late fee?

Yes, auto refinance loans via FiWize Auto Refinance are subject to late payment penalty fees.

Does FiWize Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for FiWize Auto Refinance?

Applicants with a credit score of at least 560 and up to 850 are eligible for FiWize Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

FiWize Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. FiWize Auto Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via FiWize Auto Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by FiWize Auto Refinance. Permanent resident / green card holders are also eligible to apply. An uncommon feature is for lenders to offer their services to non-residents. FiWize is one of the few that does.

To qualify, applicants may need to provide the following documentation:

  • Loan payoff statements
  • Proof of income
  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
  • Proof of residence

What is the maximum car age to refinance with FiWize?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

Does FiWize Auto Refinance report your account activity to credit bureaus?

FiWize Auto Refinance does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit score.

FIWIZE AUTO REFINANCE Disclosure: All loans made by lenders subscribed to the FiWize network. APR is the Annual Percentage Rate. Your actual rate depends upon your individual credit score and other key financing characteristics, including but not limited to the amount financed, term, your loan-to-value (LTV) ratio, loan type selected, and other credit, debt capacity, and collateral attributes. Lowest rates are available to borrowers with excellent credit. Advertised rates are subject to change without notice. Not all borrowers qualify for all offered loan types. Additional terms and conditions may apply. Although FiWize does not charge a late fee, late fees may be imposed by lenders in its network. FiWize does not report to credit bureaus, although lenders in its network may do so.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   10643 N FLW Blvd, Suite 102
    Scottsdale, AZ 85259
  •   Visit Site

Message from FiWize

FiWize delivers sensible, cost-saving auto financing solutions to borrowers who want to lower their monthly car payments. By working exclusively with their selective network of lenders, FiWize offers multiple loan options, some of which can typically reduce a borrower’s monthly loan payment by $50 to $300. Plus, some FiWize loans provide the unique ability to get these low monthly payments on shorter terms loans, which is a combination not typically available elsewhere.

Other Services by FiWize

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 3 states
  • Colorado
  • Connecticut
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Government Issued Photo ID
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Income
  • Proof of Insurance
  • Proof of Residence
  • Recent Bank Statements
  • U.S. Tax Identification Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed (Hours) 24
Credit Bureau Reporting
  • None
Customizable Payment Dates  
Pre-Approved Soft Credit Inquiry  
APR (Fixed APR) 2.94% - 15.99%
Loan Term 36 - 84 months
Loan Amount $7.5K - $100K

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