FiWize Auto Refinance
in Auto Loan Refinancing from FiWize
Claimed Visit Site Get Personalized Rates

FiWize Auto Refinance

in Auto Loan Refinancing from FiWize
Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

Cast your vote

Would you recommend FiWize Auto Refinance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Community Rating

Rating not yet determined  

Credit Score Range 640 - 850
Loan Amount $7,500 - $100,000
APR  (Fixed APR) 2.94% - 15.99%
Loan Term (Months) 36 - 84 months

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 24 states across the USA.

Key Takeaways

  • APRs starting at 2.94%. The starting rates for FiWize Auto Refinance are on the lower end of the spectrum.
  • 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.
  • Vehicle requirements. Vehicles must have less than 100,000 miles and a maximum age of 10 years.
  • 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

Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 10 years)
  • Only available in 24 states.
  • Charges a late fee.

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. FiWize Auto Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

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 and permanent resident / green card holders 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
  • Recent bank statements
  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
  • Proof of residence
  • U.S. tax identification number

What is the maximum mileage to refinance with FiWize?

FiWize is an option for high-mileage vehicles. They will consider car loan applications for vehicles with up to 100000 miles on the odometer.

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.

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: 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.

Message From FiWize auto refinance

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


  Available in 24 states
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Idaho
  • Indiana
  • Kentucky
  • Massachusetts
  • Michigan
  • Missouri
  • Mississippi
  • New Hampshire
  • New Jersey
  • New Mexico
  • Oregon
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Credit Score Range 640 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Maximum Mileage 100,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Recent Bank Statements
Approval Speed 24 hours
Credit Bureau Reporting None
Customizable Payment Dates
Payment Options Automatic Payments
Pre-Qualified Soft Credit Inquiry
APR (Fixed APR) 2.94% - 15.99%
APR Type Fixed APR
Loan Term 36 - 84 months
Loan Amount $7,500 - $100,000

FiWize Auto Refinance Community Reviews


Would you recommend FiWize Auto Refinance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Auto Loan Refinancing