What To Watch For

All in all, I would suggest applying for your refinance online. The competition is greater and you stand to receive better rates and terms.

Be sure to apply to a company that will actually review your application, prior to submitting to lenders.

You want a company that has the ability to review your application and pair you up with the best auto lender and does not just randomly submit to all the lenders in their network.

This will help to get you the best approval and has the added benefit of reducing inquiries on your credit file.