Got questions? Good. Here are honest answers to the ones we hear most often.
You start a short conversation with Alex, our AI advisor. Alex asks about your car, your current loan, and your goals. Based on your answers, our system matches you with one lender from our vetted network. That lender contacts you to discuss your options. That's it. No form blasting. No call avalanche.
No. Getting matched through Best Auto Refinance costs you nothing. We're paid by the lender only if you choose to move forward — never by you.
No. The matching process does not involve a credit pull. Your credit is only pulled if you choose to move forward with the lender's offer, and that's between you and the lender.
No. Alex gathers what's needed for matching — nothing more. Your Social Security Number isn't required, and your credit score stays untouched during the matching process.
On most sites, your info gets sold to five, ten, sometimes fifteen different lenders — your phone blows up and your email fills with junk. We're not a marketplace. We match you with one lender who fits your specific needs, saving you time and eliminating spam calls.
Alex asks about your car, your current loan details, and your refinancing goals — things like your credit range, loan amount, and location. Just what is needed to find your match. No unnecessary fields, no confusing jargon.
Yes, it is possible. Some lenders in our network work with fair or rebuilding credit. Your rate depends on your full profile — not just your score — and checking your options with Alex takes minutes and does not affect your credit.
Under 2 minutes. Start a conversation with Alex, and you will be matched with one lender in minutes — no forms, no hold music, no waiting on a call center.
Most standard cars, trucks, SUVs, and vans qualify. Eligibility can depend on the vehicle's age, mileage, and value relative to your loan balance. Start a conversation with Alex and we'll match you with a lender that fits your specific vehicle.
Sometimes. Owing more than the car is worth makes it harder, but some lenders will still work with modest negative equity — especially if your credit has improved since your original loan. The only way to know is to check your rate, which is free and takes under 2 minutes.
There's zero obligation. If the offer doesn't work for you, you simply walk away. No penalties, no pressure, and no follow-up calls trying to change your mind.
Yes. Your information is protected with industry-standard security and only ever goes to your one matched lender — nowhere else. No SSN required, and your credit score stays untouched during matching.
It takes less than 2 minutes. No SSN, no credit pull, no spam.
Just a better rate.
