Tresl Auto Refinance
Tresl Auto Refinance Claimed

Tresl Auto Refinance

Net Recommendation Score -100  


This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 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.

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Credit Score Range 500 - 850
Loan Amount $5,000 - $100,000
APR  (Fixed APR) 2.49% - 23.99%
Loan Term (Months) 36 - 84 months

Tresl Auto Refinance Review

Tresl refinance is an auto loan refinance offering by Innovative Funding Services, based in Cedar Park, TX. Founded in 2007, Innovative Funding Services offers auto refinance loans in 50 states (and Washington, DC).

Key Takeaways

  • APRs starting at 2.49%. The starting rates for Tresl Auto Refinance are on the lower end of the spectrum.
  • Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered for Tresl Auto Refinance.
  • Vehicle requirements. Vehicles must have less than 150,000 miles and a maximum age of 10 years.
  • Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with Tresl Auto Refinance.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
  • No origination fee. Tresl Auto Refinance does not charge an origination fee for processing your loan application.
  • Long loan terms. Tresl Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
  • Minimum income of $18,000. You will need an annual income of at least $18,000 to apply for Tresl Auto Refinance, which is below average for the lenders in our database

Tresl refinance Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Available in all 50 states.
  • Loan options with $0 origination fee.
  • Tresl Auto Refinance does not report to credit bureaus.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 10 years)
  • APRs as high as 23.99%.
  • Charges prepayment fees.
  • Charges a late fee.

Tresl refinance FAQ

How much can you borrow via Tresl refinance?

Auto refinance loan amounts start at $5,000 and go up to $100,000.

What are the auto loan refinancing rates offered through Tresl refinance?

Tresl refinance offers a fixed APR car loan refinancing product that ranges from 2.49% APR up to 23.99% APR. Interest rates vary by state.

Interest rates vary by state.

What is the maximum loan term you can get with Tresl refinance?

Tresl 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 Tresl refinance charge an origination fee on auto refinance loans?

No, Tresl 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 Tresl refinance charge a late fee?

Yes, auto refinance loans via Tresl refinance are subject to late payment penalty fees.

Does Tresl refinance charge prepayment fees?

Yes, Tresl refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for Tresl Auto Refinance?

Applicants with a credit score of at least 500 and up to 850 may be eligible for Tresl Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loan refinancing with Tresl Auto Refinance, applicants need a minimum annual income of $18,000 or higher. Tresl Auto Refinance only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add 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 Tresl 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 Tresl Auto Refinance.

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

  • Recent pay stubs
  • Proof of insurance

What is the maximum mileage to refinance with Innovative Funding Services?

Innovative Funding Services is an option for high-mileage vehicles. They will consider car loan applications for vehicles with up to 150000 miles on the odometer.

What is the maximum car age to refinance with Innovative Funding Services?

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

Tresl Auto Refinance Disclosure: Maximum rates vary by state-specific usury law. Pre-qualified offers are based on information applicants provide and contained in their credit reports. They are initial, conditional offers and are subject to change based on completion of a final application, verification of information provided and other conditions determined solely by the lender. Any pre-qualified offers are not guaranteed and not a commitment to lend.
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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 Tresl refinance

Tresl is the ultimate auto finance support platform. We connect customers to beneficial financial resources in a surprisingly efficient, informative, and compassionate manner. In fact, we’ve been helping customers refinance and save money on their auto loans since 2007! We can also simplify end of lease buyouts, company car purchases, and more. Through our customer-centric, end-to-end process, our customers enjoy the convenience of cutting-edge financial technology along with personalized support from our team of expert advisors. We empower customers to make the financial decisions that are right for them. Customers can pre-qualify online in minutes with no impact to their credit score. Dedicated Tresl Finance Advisors walk every customer through the process, step by step, via email, text, and telephone—saving them a trip to the bank or hours of wait time in the dealership lobby.


About Tresl Auto Refinance

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View all auto loan refinancing offered by Innovative Funding Services


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
Credit Score Range 500 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
Maximum Mileage 150,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Annual Income $18,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • 1099 Misc. Income
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Insurance
APR (Fixed APR) 2.49% - 23.99%
APR Type Fixed APR
Loan Term 36 - 84 months
Loan Amount $5,000 - $100,000

Tresl Auto Refinance Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 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.

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