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Is FiWize Auto Refinance the right fit for you?
Last Updated: 04/18/2025
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Highlights
Amount Range
$7,500 - $100,000
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APR (Fixed APR)
2.94% - 15.99%(Verified 06/21/2024)
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Credit Score Range
640 - 850
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Loan Term (Months)
36 - 84
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FiWize Auto Refinance Review
FiWize Auto Refinance is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
FiWize auto refinance is an auto loan refinance offering by FiWize, based in Scottsdale, AZ. Founded in 2017, FiWize offers auto refinance loans in 24 states across the USA.
Key Takeaways
- Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
- Fair credit accepted. The credit score needed for FiWize Auto Refinance is relatively low. Borrowers with a credit score as low as 640 may qualify for FiWize Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with FiWize Auto Refinance.
- No origination fee. FiWize Auto Refinance does not charge an origination fee for processing your loan application.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for FiWize Auto Refinance.
- Long loan terms. FiWize Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
FiWize auto refinance Pros & Cons
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FiWize auto refinance FAQ
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 car 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 a car 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 640 and up to 850 may be 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. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by FiWize Auto Refinance. 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
- Bank account information
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
- U.S. tax identification number
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 build your credit.
Does FiWize perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. FiWize auto refinance allows you to check your rates with a soft credit pull.
Is FiWize a legit company?
FiWize was founded in 2017, it is a well-established company that has been in business for 9 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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FiWize Auto Refinance Community Reviews
Would you recommend FiWize Auto Refinance to your friends?
DJ
Daniel J.
May 28, 2021
May or may not recommend
It has a reasonable requirement and offers just a good time limit before payback. Its customer care is professional and I highly recommend this service.
PH
Patrick H.
Oct 22, 2020
May or may not recommend
I just want to say that my FiWize auto loan refinance through Auto Approve has been a very pleasant experience. My loan consultant, Mariana did not only saved us money but she put us in a much better warranty. She's definitely a professional and I am very pleased with the outcome. I got my loan with lower payments, and lower interest rate. Very easy process. I would recommend this company ...Show More
Showing 2 of 2 reviews
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