Roxannemilton
Best kept secret no more!
Within 15 minutes, I was aprroved, knew the institution, interest rate and that I would save $60 on my monthly payment. All of the heavy lifting was done for me.

SpeedCents provides consumers with a free loan analysis to ensure refinancing is right for them before going through the application process. Upon approval, we connect them with the best lenders for their situation.
SpeedCents (speedcents.com) has 16 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent

Investments & Wealth · Irvine, California
Excellent

Investments & Wealth · Calabasas, California
Excellent

Investments & Wealth · Orange, California
Excellent
16 approved reviews, newest moderated first
Roxannemilton
Within 15 minutes, I was aprroved, knew the institution, interest rate and that I would save $60 on my monthly payment. All of the heavy lifting was done for me.
Jake H.
Freakishly fast. Very impressive how quick and efficient they made the whole process.
peter P.
i would like to sell my warranty and gap back to the dealership and put that in the deal ?
desiree C.
My agent Angel was fast, organized and helpful in getting my car refinanced. I highly recommend this company
Ray D.
Good experience. I've had my truck for 2 years and had rushed the process when I got it. Wanted to see if I could do better for final couple years. They did want some basic information but nothing excessive so it was as quick as they claim. My results were good. I've read others say that it just gave validation of their current loan. Overall, they lived up to their word, and that's what I appreciate most in this type of thing.
Response from SpeedCentsJun 22, 2018
Thanks Ray! We try to give people the quickest answer possible. I'm glad you found our tools and resources helpful and took the time to leave a review.
Rich H.
I tried SpeedCents and could not believe how easy it was to find out I qualified to refinance my car. All of this and they don't do a credit inquiry on your credit report. Great experience that I have already recommended to other friends.
Response from SpeedCentsJun 22, 2018
Rich, we are so glad you were able to get qualified quickly. We are constantly trying to add the number of banks we work and tools we have to educate people and help the most people we can.
Melinda P.
This company came to me and said "it looks like you've had your vehicle over 2 years, and it's time to refinance and save money, according to our records we may save you $." They even had a pre-approval process when they take your information based on your income credit score and vehicle and they said based on the information you can be approved. Knowing that my credit score was a 690 I agreed to go ahead and refinance but within 20 minutes they told me with a hundred and fifty lenders they work with not one of them would approve us for a refinance which boggles my mind, what was the point of you wasting my time and giving me a another inquiry on my credit which ironically is going to drop my credit score so then I'm going to still have issues refinancing with other companies I wish I would have never clicked on there email.
Response from SpeedCentsJun 22, 2018
Hi Melinda. I can understand your frustration, completely. As one of the founders, I started this company to help as many people as possible. Unfortunately that doesn't always happen. We are doing our best to include as much lender criteria as possible in our application to tell people they won't be approved BEFORE sending them to lenders. We don't want to give people a false hope of approval. In addition, hard inquriers shouldn't impact your score more than 5 points, which wouldn't be enough to affect your chances with other lenders, read more here: https://www.credit.com/credit-reports/what-is-a-hard-inquiry/ If there was an inquiry on your credit and this was the first one for auto refinancing, there won't be a negative impact on your credit from future lenders. It speaks more about this on Experian's website: https://www.experian.com/blogs/ask-experian/how-long-do-inquiries-impact-my-scores-2/ I'm sorry we weren't able to help this time. I truly hope you are able to find a bank that can help you.
Rebecca T.
SpeedCents was super easy to use and I like that my credit wasn't affected by simply checking to see if I could get a better loan rate. In other words, nothing to lose and potential savings to gain--in seconds. Definitely recommend!
Response from SpeedCentsJun 22, 2018
Thanks Rebecca! If we can't help someone improve their loan, we want to tell them quickly! There is peace-of-mind knowing your current loan is right for your current situation. Glad we could help.