Is Hello Refi Auto Refinancing the right fit for you?
Last Updated: 10/28/2026
SuperMoney User Recommendation Score +89
Strongly recommended290 total votes
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Highlights
Community Rating
Strongly recommended
Amount Range
$5,000 - $150,000
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APR (Fixed APR)
Starting at 6.24%(Verified 06/21/2024)
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Credit Score Range
560 - 850
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Loan Term (Months)
12 - 96
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Number of Reviews
Hello Refi Auto Refinancing Review
Hello Refi is an auto loan refinance offering by Hello Refi, based in Greenwood Village, CO. Founded in 2006, Hello Refi offers auto refinance loans in 50 states (and Washington, DC).
Key Takeaways
- Vehicle types. Hello Refi refinances motorcycles, cars, and trucks.
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 560 are considered for Hello Refi Auto Refinancing.
- Refinancing for large loan amounts. You can refinance auto loans of up to $150,000 with Hello Refi Auto Refinancing.
- Origination fees starting at $499.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
- No late fees. Missing a payment can seriously damage your credit, but Hello Refi Auto Refinancing will not charge additional fees if you miss the due date on a payment.
- Long loan terms. Hello Refi Auto Refinancing offers loan terms of up to 96 months. Most auto refinancing loans have a maximum term of 60 months.
Hello Refi Pros & Cons
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Hello Refi FAQ
How much can you borrow via Hello Refi?
Auto refinance loan amounts start at $5,000 and go up to $150,000.
What are the auto loan refinancing rates offered through Hello Refi?
Hello Refi offers a fixed APR car loan refinancing product that ranges from 6.24% APR.
What is the maximum loan term you can get with Hello Refi?
Hello Refi offers auto refinancing with terms ranging from 12 to 96 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 Hello Refi charge an origination fee on auto refinance loans?
Yes, Hello Refi charges a loan origination fee of $499.
Does Hello Refi charge a late fee?
No, Hello Refi will not charge you a late payment fee .
Does Hello Refi charge prepayment fees?
No, there is no prepayment penalty.
What do you need to qualify for Hello Refi Auto Refinancing?
Applicants with a credit score of at least 560 and up to 850 may be eligible for Hello Refi Auto Refinancing. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Hello Refi Auto Refinancing does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Hello Refi Auto Refinancing.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with Hello Refi?
Auto refinance loan applications are typically funded within 7 to 14 days of approval.
Does Hello Refi Auto Refinancing report your account activity to credit bureaus?
Yes, Hello Refi Auto Refinancing reports to the following credit bureau:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Hello Refi perform a hard credit pull?
As is the case with most providers, a hard credit pull will occur if you accept an offer after checking your rates. Hello Refi allows you to check your rates with a soft credit pull.
Is Hello Refi a legit company?
Hello Refi was founded in 2006, it is a well-established company that has been in business for 20 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
Provider Disclosure: Your loan is subject to certain stipulations such as verification of income, vehicle year, mileage, etc. IMPORTANT: The interest rate quoted may be dependent on the model year of your vehicle., If you did not enter a model year, or you refinance a different vehicle, then your interest rate may change. Please contact Hello Refi at (877) 435-5614 for a complete list of approval stipulations, terms and conditions and further information regarding your loan approval.
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.
Message from Hello Refi
Contact
Headquarters
5680 Greenwood Plaza Blvd, Suite 400
Greenwood Village, CO 80111
Hours of Operation
Sunday8:00AM - 5:00PMMonday6:00AM - 7:00PMTuesday6:00AM - 7:00PMWednesday6:00AM - 7:00PMThursday6:00AM - 7:00PMFriday6:00AM - 7:00PMSaturday8:00AM - 5:00PM
Other Services by Hello Refi
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +89, or 4.8 on a 5-point rating scale.
+89
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Hello Refi Auto Refinancing Community Reviews
Would you recommend Hello Refi Auto Refinancing to your friends?
Daniel F.
Aug 18, 2024
Would Recommend
Marcel was a pleasure to work with on getting my car loan refinanced. He made the whole process easy with the straightforward process and great communication. He helped reduce the interest rate on my car loan from 27% to 9.5% essentially saving 20k $ Thanks Marcel!
Amanda L.
Oct 26, 2023
Would Recommend
Ronni was extremely helpful and worked fast. She worked quickly and was able to find me financing that saved me quite a bit of money when i didn't think it would be possible. I am very happy with the results that she provided me with, and how fast and easy she made the entire process.
HS
Harold S.
Jul 12, 2023
Would Recommend
Whitney Coriolan was exceptional. She was very supportive during the process and answered questions freely. Whitney was professional and cordial. I am fortunate to have worked with her. I would recommend reaching out to Whitney and working with I-Lending. She will help you through the process with a smile. Thank you Whitney
Karl P.
Feb 2, 2023
May or may not recommend
I honestly remember got a auto loan probably 10 yearsll ago but I do have good memories of auto rellfinancing when you need them I always appricate those who help others get thire life easier never stock behind death.may God bless them all no matter what,intentions is always to be counted .
MM
Malisa M.
Dec 30, 2022
Would Recommend
ALAN HAIRE is the guy to go too when looking to refinance your vehicle he is AWESOME and professional!! I had to leave a review specifically for him because I am so happy with everything and anyone that’s looking to refinance should contact him directly at (303) 615-3231 Thank you so very much Alan for all your hard work and the work you put in to find the right and ...Show More
SJ
Shelly J.
Dec 1, 2022
Would Recommend
Robert the Loan Consultant was wonderful. It took 3 days and I got a lower interest rate/payment and cash back. Hands down Robert is the best!
U
Anonymous
Nov 14, 2022
Would Recommend
I have been using iLending for 2 years now and I am really happy with the service. The team is very responsive and helpful, they always respond to my questions in a short time. The interest rate is very low compared to other banks, which helps me save money on my monthly budget. I also like their loan calculator tool, which helps me estimate how much I can borrow when ...Show More
DD
David D.
Sep 7, 2022
Would not Recommend
Was going to have them refinance my car pay off $12663 they put on loan $12998 by the time they got thru i was gonna finance $18998 for 6 years when i only had 4 years left and had added $7000 to price of car for a 2015 aint no way the math added up. Sean sent me contracts by email and said dont open them till he called me ...Show More
Richard E.
Aug 17, 2022
Would Recommend
Maranda was awesome! She explained everything right up front and made sure I knew what to expect at every stage of the process. She was knowledgeable about iLending's products and answered all of my questions with unambiguos language. iLending is a great choice for financing and refinancing a purchase. I highly recommend iLending.
MS
Mariela S.
Jul 7, 2022
Would Recommend
Absolutely Legit and Amazing! My payment went down by $230, brought my interest rate down from 24% to 5%.
Ronnie was the agent who helped me and honestly, all companies need a Ronnie she was super easy to deal with, very knowledgeable and spoke clearly made sure I understood everything and got things done quickly. Highly recommend iLending. Overall it was a fast and easy process, Thanks Ronnie! And thank ...Show More
KT
Kevin T.
Jun 24, 2022
Would Recommend
Sarah was absolutely AMAZING!! She was extremely helpful, courteous, polite, and patient with me through the entire process. She made refinancing as stress free as she could and kept me informed every step of the way. If she is an example of the type of people iLending has working for them, I would highly recommend anyone to contact them for their refinancing needs.
SP
Sherri P.
Jun 2, 2022
Would Recommend
Andrea Langley is the best. She got me refinanced at a lower rate. I'm so happy. Was so pleased with the process
TN
Tracey N.
Apr 28, 2022
Would Recommend
We refinanced both of our vehicles thru ilending. Robert Manlove made the process very smooth. He was very nice and professional throughout the entire process. We accomplished what we set out to do with his help.
KN
Keith N.
Apr 20, 2022
Would Recommend
I highly recommend iLending. I responded to their mail offer on a Sunday and got a call back in less than 5 minutes. They cut my rate is less than half and made the process as easy and seamless as possible on my end. I worked with Ronnie Bol and she was fantastic - super responsive, answered all of my questions, coordinated with my current lender. I couldn't ask more ...Show More
Jean J.
Apr 13, 2022
Would Recommend
I will recommend this refinancing company. I was able to save $75 every month
ED
Eric D.
Mar 21, 2022
Would Recommend
My name is Eric Dunson and Andrea Langley is who helped me and she eased my mind. Made me feel great and relaxed my thoughts. Thanks a lot Ms. Langley. Hope I win that car too
Doina I.
Mar 19, 2022
Would Recommend
I was very skeptical because it was the first time I used a service of this type but, once I started communicating with the agent- Robert Manlove- my worries went away. He was absolutely wonderful, calm, knowledgeable, helpful, and very respectful! The whole process was smooth and fast and I lowered my APR and my monthly payments sooner than I hoped. I highly recommend this company and would rate my ...Show More
KL
Kelli L.
Mar 15, 2022
Would Recommend
If you have a high interest rate on your auto loan, call them. We worked with Leanne Tarpey and she was great. We bought a car in December. We didn’t have the best credit scores and we still don’t. Our interest rate was 22%. I saw an ad for iLendingDIRECT online and decided to send my info, thinking there was no way we could refinance but it was worth a ...Show More
TG
Trenese G.
Mar 10, 2022
Would Recommend
I have nothing but good things to say about iLendingDIRECT. I was going through a very tough situation financially due to a high car payment and I literally gave up hope. No one would approve me to trade in my car or refinance until I came across ILendingDIRECT. My case rep Andrea Langley was very sweet and she made sure that I got an approval to get my car refinanced. ...Show More
Eric P.
Mar 2, 2022
Would Recommend
Andrea Langley helped me refinance my vehicle and was able to get me a better interest rate and lower monthly payment. She was very helpful and the process was easy. Thank you again for all the help
Showing 20 of 290 reviews
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