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OpenRoad Lending Review

Reviews 1,856

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OpenRoad Lending

Excellent

Reviews 1,856

Visit Site

Bestmoney Staff

Jun. 16, 2022

1 min read

OpenRoad Lending Summary

OpenRoad Lending provides auto loans and refinancing deals from a variety of different lenders throughout the US.

Pros

No charge for making an application
Receive offers within minutes

Cons

Minimum income of $1,500/month needed to apply
No refinancing of commercial vehicles, motorcycles or RVs

OpenRoad Lending at a glance

7.6

Editorial score

Online experience

Online application but no learning resources

6.0

Customer services and support

Limited ways of reaching lender

6.0

Loan Types

Offers most loan types

8.0

Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs

8.0

Eligibility (credit score)

Accepts all credit types

10.0

OpenRoad Lending View Rates

Suitable for Whom?

OpenRoad Lending is for people with a reasonable credit score, of at least 500, and a monthly income of $1,500 and above, looking for to improve their current car loan.

If you are paying high interest on your car loan and are looking for lower rates, OpenRoad Lending claims to offer the most fitting match possible. This means that it puts you in contact with the lenders who suit your situation and requirements.

Features

After applying online, OpenRoad Lending will tell you what kind of loans you are eligible for within minutes. The online refinance savings example explains exactly how it can help you save on your car loan, with the potential to save up to $100 a month.

Other important features include a free credit score and free credit repair consultation. There are other free features like auto insurance quotes and free loan application when submitted through the website.

Pros and Cons

OpenRoad Lending has a number of key features that stand out:

There are no application fees involved in applying for a loan online, meaning there is no upfront payment.
Response time is good and the customer service team is available to answer any queries.
Find out within minutes of applying whether or not you are eligible for a loan.

However, there are a few things that you need to know before applying to OpenRoad Lending:

There are no loans for commercial vehicles, motorcycles, Daewoo, Smart Cars or Isuzu vehicles.
hat support and the customer care is only available between 8am to 7pm Monday to Friday.

Application Process

The online application process is quite simple and takes just a few minutes. After filling out a very basic form, OpenRoad will get in touch with you to discuss your options. Keep in mind that certain requirements need to be met before you apply:

Minimum monthly income $1,500, not including income generated from Uber or similar Taxi services.
The financed vehicle must be no older than 15 years.
The vehicle must have done less than 160,000 miles.
Refinance is not available for the models of vehicles which are no longer being manufactured.
A $5 to $80 state transfer fee charged by states for titling and transfer will be charged depending upon the state in which you reside.

After applying, a service representative will contact the customer to offer assistance and the entire process normally takes a few days.

Loan Types and Terms

OpenRoad Lending is not a direct lender, but rather puts you in contact with a lender according to your needs. The loans offered are available for a period of 36 months to 84 months. The minimum loan amount is $7,500 in most states and a maximum loan amount of up to $100,000 can be applied for refinancing. The most popular loan type from is Car Refinance. The following documents are required for refinancing:

Proof of residence, for address verification
Proof of income, to show you are making more than $1,500 a month.
Vehicle title

Repayment Options

The loan period can be decided depending upon your requirements as well as the amount you can afford to pay in your monthly payments. There are late fee charges if the loans are not repaid on time. There is no prepayment of loans and the benefits will not be there if the loans are paid in advance.

How Safe is It?

Applying for a Loan with OpenRoad Lending is safe and your confidential information that you share is completely secure.

Help & Support

OpenRoad Lendingcan be contacted toll-free on: 1-888-536-3024. Customer service representatives are available Monday to Friday, 8am to 7pm CST.

Summary

OpenRoad lending is a fast growing company that offers car refinancing at competitive rates and has some good features that could help an average car owner looking for some savings. Free and added features can certainly be helpful. It is worth considering OpenRoad Lending if you are looking for an option to get your car refinanced.

OpenRoad Lending View Rates

Physical Address

555 N. Beach St. Ste. 4100

Fort Worth, TX

76137

Written by

Bestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Trustpilot reviews

See what some customers are saying about OpenRoad Lending

Excellent

•

Reviews 1,856

Excellent

80%

Great

11%

Average

Poor

Bad

danielle granhold

10 days ago

Easy process

Everyone I dealt with were quick to answer and explain what was needed! It was an easy and smooth process without any complaints!!

heather lao

20 days ago

I would like to personally thank Open…

I would like to personally thank Open Road Lending for making my refinance as seamless as possible. From start to finish everything was handled with the upmost professionalism. I didn’t get the savings I initially thought I would, but still ended up saving a good amount of money. I would definitely recommend Open Road Lending to anyone who wants to save money!!

tiwynn jennings

a month ago

Didn’t get the deal I applied for but…

Didn’t get the deal I applied for but still got a better deal than before. Excellent communication and prompt with everything. Very professional!

theresa

a month ago

Cut our apr in half

We were financing a car with 30% apr at Santander. Thanks to Openroad Lending, it's been cut in half.

tenikia mills

2 months ago

Ms Elizabeth Ayala was the best

Ms Elizabeth Ayala was the best! She was VERY patient with me and kept me informed every step of the process! Thank you so much….

alfonso luna

2 months ago

Amazing and friendly service.

bridgett miller

3 months ago

Bridgett Miller

I got to lower my payment! And it wasn’t very hard at all.

thomas

3 months ago

My loan officer made this process so…

My loan officer made this process so easy in me it was incredible

suga free

3 months ago

Great!

My experience with Open Road Lending was very smooth. My expectation was exceeded. I am very happy with the smooth transition and great services that they provided.

ida edwards

3 months ago

My Experience with Open Road

My experiences with the people at Open Road were great friendly knowledgeable and patient. I was informed of every steps of my refinance process and it was good working with my financial advisor Tonya Donaldson,she kept me informed of of my loan and answered my questions. Thank you All for your advice and help. Ida LEdeards

3 months ago

My experience with the refinance was fast, easy and pleasant

My experience with the refinance process was great. Ashlyn Hebert assisted me throughout the whole process, was patient when I couldn't answer her calls and kept me informed the entire way. I am saving $130 a month and it was so easy to do. Thank you Ashlyn and Open Road!

rodney gillis

4 months ago

Excellent customer service

Excellent customer service, helpful throughout the process. Highly recommend OpenRoad!!

jennifer g

4 months ago

"pre-approved" at a lower APR

"pre-approved" at a lower APR, they continuously forgot to attach the paperwork/loan agreement while prompting me to hurry up and submit my documents, then send paperwork the last minute with a HUGE APR. Hard credit hit for nothing. Garbage!

bishop soprano

4 months ago

Open Road Lending is awesome!

Shawn Kent and the entire Open Road Lending team made the process easy and the experience very pleasant. I highly recommend refinancing with Open Road!

kimberly covington

4 months ago

Seamless!!

The entire process from start to finish was seamless. I have NEVER experienced anything like it before. I felt like I didn't have to lift a finger. Communication is key for me and Mark Francis did NOT disappoint! I will 100% use OpenRoad again and again!!

tonika trice

4 months ago

I had a wonderful experience with my…

I had a wonderful experience with my refinancing process. My agent Cheyanne Hamiton got me the best rates. I highly recommend this company for refinancing.

jackye

4 months ago

jwatkins was excellent

jwatkins was excellent, always available with an answer and her requests were always clear and concise. My paperwork was completed quickly and my former loan is now history.

robyn simon

4 months ago

Tell ya what..

Tell ya what... Mr. Doug Ferreri is a gem and made my refinance a breeze . I work the night shift and he worked patiently with me until we got I done . Saved me over 100$ a month and dropped my interest by 6% Thanks for your help.

gary daughtry

4 months ago

Gary D

I had a great experience, Rhine was very helpful throughout the whole process. I was able to reach him by text and he responded back fairly quickly. Would recommend!

mlove

4 months ago

Refinancing was easier than I expected

Refinancing was easier than I expected. The communication was open and honest. Response to questions were answered quickly. I am glad to be in business with them.

damien gainer

4 months ago

Openroad

............

victoria sharp

5 months ago

Sterling is amazing

Sterling is amazing! He really took the time to help me understand my loan!!

adeniji abayomi

5 months ago

Very active and they were on top of my…

Very active and they were on top of my application from the beginning to the end. I would recommend anyone to them.

taha ahmad

5 months ago

great experience and customer Service

I had a great experience, Kimberly was very helpful throughout the whole process. I was able to reach her by text and she responded back fairly quickly. Would recommend!

sarah

5 months ago

I was very hesitant about refinancing…

I was very hesitant about refinancing my car loan with OpenRoad because I knew nothing about them. When I reached out everyone was very helpful. I worked a lot with Tori and she was absolutely amazing to work with. She was very helpful in answering my questions and keeping me informed with the entire process. I just finished the process and OpenRoad made it possible for me to save a big chunk on my car payments. They are absolutely amazing and will help you with your needs in a very professional and caring manner.

heather dalcamini

5 months ago

They are quick and always polite.

damon davis

5 months ago

Jesus Razo was a pleasure to work with

Jesus Razo was a pleasure to work with. Kept me updated during every step in the process.

martyn farlow

5 months ago

Don't buy a car from these guys

Don't buy a car from these guys, sold me car that needed new everything which cost more than the cars value. Not what you need from a dealer. My first car which I worked hard for is nothing like they described it.

matt goshon

5 months ago

Terrance Davis is great!

Terrance Davis was great he lead and instructed me on everything he wanted or need done as it was my first time refinancing a vehicle. Terrance reduced the pressure or stress when going through the process by really breaking down each task and expectation.

yasriyyah imani

6 months ago

Very happy & saving $

Thus far, doing business with open road has most definitely been a blessing. The process was easy and their correspondence has been quick, I will be saving almost $200 on car note payments! I recommend open road to anyone who is considering refinancing their vehicle!

carolyn spaulding

6 months ago

This was the easiest company I every…

This was the easiest company I every had to do business with. It took no time to get approved. Kirstyn was so helpful and friendly. Thank you

americanist- 454925 - 05.24.2016

6 months ago

This is a great company to refinance with!

Working with Open Road to refinance my vehicle was extremely easy and quick--and they got me a rate a full 2% below what I had been paying! The paperwork was minimal, and they were very responsive when I had any questions. I highly recommend them!

ryan and joel sandoval

6 months ago

Great Experience!!!

Open road was very very communicative and responsive when it came to refinancing. The rep I worked with was very knowledgeable and kind, and I understand the refinancing process all and all my experience was amazing and I am able to save $150.

nathan

6 months ago

Maria was the best answered all my…

Maria was the best answered all my questions and saved me $200 a month damn near

diea brown

6 months ago

My experience when I had called them I…

My experience when I had called them I didn't think I would make it. I went through so many companies to get my car car refinance. It felt like a blessing at 1st. I thought They just talk in good talk the second when I had to do all the paperwork very easy. Everything went through on the first try It feels like a blessing and I have to think Roadside thank you. I? Can't remember your? Name. But his last name is Brown thank you. I know I said this over the phone but I'm saying it as I am putting in the spirits. It felt like u was an angel you had me smiling thank you

olivia boykins

6 months ago

I received very good rates/terms and…

I received very good rates/terms and the staff was very helpful, patient and friendly.

aaron

6 months ago

Highly recommended

I had the pleasure of being able to work with Jesus with openroad lending, I have never refinance before and he stepped me through everything and made the process seamless!! I will definitely be recommending to anybody refinancing their vehicle.

anel v. angel

6 months ago

Fast and easy

The process is so easy that I didn't have to worry about alot of paperwork. The team is fast in responding a concern or a question that came up in the process. I would recommend them for refinancing your vehicle.

rosa estela macias

6 months ago

The process in refinancing my vehicle…

The process in refinancing my vehicle was was smooth and uncomplicated. I would definitely recommend open road to friends a d family

cheyenne caylor

7 months ago

Great experience!

I was extremely nervous about the entire situation. I didn’t know where to start refinancing my auto loan. With open road it was such an extremely easy process! Every time I had questions, there was always someone there who could assist me if my agent was unavailable. Definitely will be recommending open road! Thank you for saving me money and time!

faith bauer

7 months ago

Kimberly Woods Mae everything quick and…

Kimberly Woods Made everything quick and easy. The process for everything was so fast and they definitely got me a lower rate. 10/10 definitely recommend

b shiro

7 months ago

Awesome!!!!

My experience was great Julio M was always on top of things and made the journey smooth and easy.

chris mould

7 months ago

I was not the best customer!!!

I was not the best customer! I was unavailable and not very responsive (work related). Open Road was extremely helpful and understanding. The process was quick and easy. I would 100% recommend to friends and family. Thank you so much all your help!!

first time refinancer

7 months ago

Experience

Had only a slight misunderstanding on what documents were needed, but overall a great experience. I would recommend this business.

dyanna phaneuf

7 months ago

Fast easy process

Great experience.

bryce

8 months ago

Fast and simple process along with excellent communication

Allison Donaldson was extremely helpful with my refinance application. She would consistently reach out by phone and email whenever there was an update or if OpenRoad needed extra information from me. I have a busy schedule so I appreciated her using multiple avenues to get in contact with me to keep me up to date. The process was fairly quick and very simple.

joseph bewley

8 months ago

Mary Jackson Thank you for all your…

Mary Jackson Thank you for all your help!

dimpz

8 months ago

This was my first time refinancing my…

This was my first time refinancing my vehicle and Open Road helped me with everything. Maria made it so easy and was very quick to answer any questions I had. This process was easy and I felt comfortable til the end of the processing. Thank you so much!

david martin

8 months ago

great experience

jessica gallicchio

9 months ago

Adrian made it easy by informing me of…

Adrian made it easy by informing me of every step along the way. They would address my concerns as well, as someone who worries a lot- that’s extremely helpful.

dana denton

9 months ago

Worst company to ever try to refinance…

Worst company to ever try to refinance through. Received their pre approval letter through the mail off lower rate and smaller payment. Showed me saying over $110 a month. Applied through the site with the offer code for the loan and was approved. Called the next day to be told that my rate was DOUBLE what they offered and even 3.5 percent HIGHER than my current rate. Like what??? Why even send out something that is false representation! I understand the rates aren’t set on their pre approval letters. But if you’re going to promise some type of savings and then when people take the credit hit say actually you’re rate is HIGHER than you’re currently paying? That’s a scam. Do not send out pre approvals if the rate you offer once the application is filled out isn’t AT ALL lower than your current one. A waste of time and a credit pull. THEN when our call to opt out of these pre approval letters they want your social? Why? You shouldn’t need my social to opt out of a letter in the mail if you didn’t need it to send me these scammy false rates? That’s sketchy in itself.. I have no idea how they’re accredited through the Better Business Bureau. I’d stay away if I were you, cause I wish I did.

dominique gords

9 months ago

Tommy Tarrant was great to work with

alexander stupak

10 months ago

STAY AWAY FROM COMPANY

STAY AWAY FROM COMPANY! Worst company that lies and scams you. Was told I was preapproved for double the amount the final payment was for. Each time I talked to someone the amount of savings I was told was cut by $10-$25 each time going down to half the amount of the original. Then on top of that they tell you that you are given a complimentary dent removal service for small dents. Which they then charge you for. I pay $2000 a year in insurance, I do not need to pay for some crap dent repair I was told was complimentary. I lost over a year of payments I made just to save a tiny amount, half than what I was told and then was scammed and lied to about about free services that they then tack onto your payment so they can make even more money. You lose valuable payments you make, take a hard credit hit only to save a small portion of what you are told at the beginning. They are a lying scammy company.

10 months ago

Big Savings

Fast and easy transition with great rates!

lezly ramirez

10 months ago

Great company!

Shawn Kent made the process so easy! I have a busy schedule so it’s a bit hard for me to reach my phone. But he was patient and down to the point. 10/10 service thank you!

jennings tennery

10 months ago

Made the process extremely easy.

marie casey

10 months ago

Horrible experience

Horrible experience. Supplied all the documents they wanted then they came back at the last minute and said they would need different documents. Would not recommend in the least

kim

a year ago

Smooth Transition

Process was easy and my rep was with me patiently explaining things every step of the way. I would definitely recommend OpenRoad Lending to anyone.

gary

a year ago

Company always kept you well informed…

Company always kept you well informed as to what was needed as was always there to help you if needed.

andre oliver

a year ago

Fast and Friendly

They were fast and friendly, they stayed in contact with me during the process.

shaking myhead

a year ago

Waste of time

Waste of time. Supposed to help people with lower credit scores get refinancing, but you don't. Save you 3-5 hard credit inquiry points and find another place to help. Shame on Credit Karma for saying I had a good chance of approval.

alecia

a year ago

Kimberly Wood did a wonderful job of…

Kimberly Wood did a wonderful job of assisting me with the auto loan documents. She made everything easy and I really appreciated the assistance. She made the loan process smooth and easy.

tori b

a year ago

Wonderful refinance company

The experience was painless. They did all the heavy lifting, and helped me save over $100/month! Highly recommended

luis cruz

a year ago

Mi experiencia con Clarissa Chavis fue…

Mi experiencia con Clarissa Chavis fue genial desde un principio se mostró muy amable, gentil, y muy profesional!!! Encantado de ser parte de la familia Openroad!

cynthia davis

a year ago

They were quick and communicative about…

They were quick and communicative about the status of the loan excellent

shameka crawley

a year ago

Mark Francis did an amazing job!

Mark Francis did an amazing job! He helped me through this process and was there every single time I needed him. He made it so easy to get everything done. He guided me step-by-step of the process. His line of communication was on point! And I was able to save money by refinancing with OpenRoad Lending. And I am very thankful for Mark. Everything was simple and easy to do thanks to him.

suzanne skaggs

a year ago

Easy to talk to

Easy to talk to, quick and friendly. Thank you

devin doan

a year ago

Great service

lynn oneil

a year ago

Great customer service

Great customer service. Very quick in the transfering of check to old lienholder. Savings is great.

jacqueline burton burnette

a year ago

Refinance Car Loan

Ease of getting my loan approved from beginning to end. Only took a couple of days and my loan was financed, and my pay offs was sent to creditors. Excellent service.

gaither smith

a year ago

I Was Sent A Letter For Refinancing…

I Was Sent A Letter For Refinancing With Open Road. I Was Told That The $480.00 Payment Could Be Lowered To The $378.00 A Month By Going With Them. The Next Day, A Representative Quoted Me A Higher Payment Of $525.00 A Month. Why Would I Go Up From My Present Payment To A Higher One. So Sad That I Was Fully Mislead By Your Advertisement,No One Should Waste Their Time With This Company! So Sad!!

robyn barry

a year ago

Adrian Renteria is the best!

Adrian Renteria is the best!! I went to them fully expecting to be turned down but no... he helped me the whole way and I have to tell you that the entire process from applying, to my old finance company getting paid was less than a week AND during the holiday season too! Thank you Adrian Renteria so very much for answering all my crazy email questions right away... I'm a worrier.

ramona allan

a year ago

The company was easy and hassle free

The company was easy and hassle free . I would recommend this company to my friends and family .

dinah

a year ago

Alan Donaldson was the best!!!

Alan Donaldson was the best. Excellent customer service. Very professional and very knowledgeable. Took the time to explain what I am getting myself into. Lower interest rate and lower monthly payment. Highly recommended!

catherine kennerson

a year ago

My experience with OPENROAD was a…

My experience with OPENROAD was a stress free experience. My Rep Jessica Balanga was helpful in every phase. I would truly recommend this company for refinance. You won't be disappointed.

latriviette rogers

a year ago

Jonathan Garcia!!

Jonathan Garcia!!! Absolutely the best!!! Thank you for for the professionalism that you showed me. Thank you for your patience and reassurance doing my refinancing process. My payment was reduced by $124 and my interest cut by more than 50%. Jonathan Garcia said he would get it done and he did!!! Definitely recommending to anyone I know

lacreasha powell

a year ago

Open Road Lending is great!

I worked with Rachel she was fast, professional and patient while I collected the documents needed to process my loan. They were abreast at keeping me updated through multiple means such as text and email so I knew exactly what was going on. Great customer service, fast, and efficient. Great people to work with!

amy crook

a year ago

Our experience was top notch

Our experience was top notch. Mark made everything simple and easy to complete. Never have I dealt with a finance company that took the extra leap in making this a very painless process. Hats off to OpenRoad Lending!!

athena j gibbs

a year ago

My refinance with Openingroad Lending…

The application for the the refinancing was easy and fast. It took no time at all to complete the application and the approval was done quickly.

rachael chambers

a year ago

cheyenne hamilton@openroad

cheyenne hamilton@openroad, was very patient made the transaction very smooth made me feel very comfortable.

robert howell

a year ago

Awesome Service

They were extremely pleasant and upfront about the entire process. No hidden fees, no lies. Was very refreshing. My agent was wonderful to work with

crystal

a year ago

Definitely Satisfied

Nathan Cole @OpenRoad Lending was the best. He communicated with me through the whole process and got everything done really fast. I’m definitely satisfied with my experience and I will recommend to others.

barbara yates

a year ago

Yayyy

Absolutely seamless I'm so grateful for the help for this refinance and how easy it was to get through

wanda smith

a year ago

William Destro@Open Road Lending was…

William Destro@Open Road Lending was very professional with helping me with refinancing my car loan, he walked me through the whole process and I was very satisfied with the savings that I got.. I would like to thank him personally for his professional work..

roberto

a year ago

Sara Stewart with Open Road Lending was…

Sara Stewart with Open Road Lending was very professional and courteous while handling my account. She helped me every step of the way to finalizing my account. I recommend getting Open Road Lending to refinance your vehicle, if you need to. They are really great with responding quick to any questions you may have.

ashley smith

a year ago

Terrance was very helpful and…

Terrance was very helpful and understanding of my situation he helped me get the best rate to re-finance my car loan. Thank you.

nicole nelson

a year ago

My interest rate is over half what it…

My interest rate is over half what it was, good company to refinance an existing loan.

jackie m.

a year ago

Open Road Opens Door to Opportunity

Sara Stewart provided excellent customer service. She was thorough, encouraging, patient and professional at all times. Thanks to her and Open Road Lending I will now save almost $200 a month on my car payment and have the opportunity to improve my credit scores. Thank you Sara and Open Road Lending!

melissa

a year ago

Great savings

OpenRoad saved us more than $20,000 in interest alone, not to mention our monthly payment. The application process was very easy. We highly recommend them.

dwight b

a year ago

The process was seamless after…

The process was seamless after completion of the application process.

elaine landis

a year ago

Great people working to save you money

Everyone was super friendly and helpful. They would send me text messages to check for new emails they had sent and made sure there would let me know when they received paperwork and what they still needed and the deadline to have it in.

amanda penalva

a year ago

I'm glad I used open road to refinance…

I'm glad I used open road to refinance my car. Alan was very helpful and patient with me. He was able to get us a better deal. 😊

ted muller

a year ago

I used OpenRoad Lending once before

I used OpenRoad Lending once before, and the process was easy, so I knew this experience would be the same. They handled everything, making it almost effortless. Any time I had a question, Jessica Balanga was always quick with an answer or solution. They saved me quite a bit on my car loan, and I would definitely recommend them!

claudia rodriguez

a year ago

Highly Recommend

The whole refinance process went smooth Maria Martinez was very knowledgeable and helpful throughout the whole process. I definitely got a better apr and lower monthly payment for my car. I am so grateful for Open Road Lending I highly recommend.

shanee crowley

a year ago

This was a very quick and fast process

This was a very quick and fast process. The staff was very helpful and informative. I appreciate Robert so much! Thank you so much.

rosalind bailey

a year ago

Grace and mercy!

Thank you so much openroadlending! I couldn’t afford to pay for my car because the interest rate was so high. It was messing up my credit. I found them on credit kramer. Now I’m able to get caught up on my other bills. You saved my life moving so quickly in approving my loan. You are the BEST…

victoria glover

a year ago

So easy!

As soon as I applied, I had a loan specialist, Adrian, calling to help me out. He was extremely patient and helpful in alevery way. He told me exactly what I needed to do and always seemed to be available when I had a question. Thank you so much for helping me save with a refinance loan!

tanya autry

a year ago

Overall the experience with refinancing…

Overall the experience with refinancing was good. There were something areas I felt like they we're asking a little bit to much nut then again they are lenders. When it comes to explaining things such as signatures on paper that could have been explained a bit better. Some of the process was a bit overwhelming. Again, the overall experience was good.

dwight prentice

a year ago

My wife and I was tired of paying a…

My wife and I was tired of paying a high car note, so we decided on refinancing our car,so we decided on open road lending,who was very quick on helping us make the change,our loan agent Jestiny Watkins was very helpful, patient and always professional,she was on top of her game,thank you so much for all of your help,it has been a real experience.

jose

a year ago

I found them through CreditKarma

I found them through CreditKarma. Having just been turned down for refinancing from my credit union, I figured I might as well give it a shot. The banner did say prequalified. I wasn't expecting them to be able to lower my rate without egregiously extending my terms, but they did! 7% lower, a $65 savings per month, and only 2 more months on the term! I could have gone with a lower rate, a longer term, or more savings a month as they had other term and rate options available, but this is what I felt I was most comfortable with. The process being done through text was extraordinarily convenient. I've already told a couple of friends to try it out!

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