Is Hello Refi a direct lender?

No. A consultant places your refinanced loan with a credit union. Hello Refi identifies its operator as FI Connect, LLC.

What credit score do I need?

The website lists a credit score of 600 or better, at least six months of credit history and $1,500 or more in monthly income. Requirements vary by lender.

What vehicle age and mileage are accepted?

The website describes autos as 10 model years with under 120K miles in one section, but under 10 years with fewer than 150k miles in another. Confirm your vehicle's eligibility with your consultant; we do not publish a single confirmed age or mileage limit.

All lenders

Best for: You want one consultant to compare credit-union refinance options

Hello Refi

Hello Refi pairs you with a consultant who shops credit-union refinance options.

Min credit

600

APR

4.99%–19.24%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Hello Refi does not publish this on their public site. "No restriction" means Hello Refi explicitly states no limit.

Overview

Hello Refi is operated by FI Connect, LLC and places your refinanced loan with a credit union rather than funding it directly. Its website publishes an advertised APR range of 4.99%–19.24%, loan amounts from $5,000 to $150,000 and terms of 12–96 months.…

What’s great

One advisor works with you from start to finish
Compares refinance options across a credit-union network
Publishes advertised APR, loan amounts and term ranges

What to know

Final approval and terms come from a partner credit union
Published credit and income requirements vary by lender
Vehicle descriptions differ: one section says under 120K miles, another says fewer than 150k miles; confirm eligibility

Eligibility

Minimum credit score	600
APR range	4.99% – 19.24% (Subject to credit approval, selected term and partner lender; advertised APR may change.)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	$5,000 – $150,000
Term length	12 – 96 months
States served	Not disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Hello Refi's own published materials. Rates, eligibility, and terms can change — verify directly with Hello Refi before applying.

[1]Hello Refi — published refinance APR, terms, credit and loan amounts; requirements vary by lender; conflicting mileage statements — FI Connect, LLC dba Hello Refi
https://www.hellorefi.com/
Last checked: October 2026
[2]Hello Refi About — a consultant places your refinanced loan with a credit union — FI Connect, LLC dba Hello Refi
https://www.hellorefi.com/about/
Last checked: October 2026
[3]Hello Refi Privacy Policy — identifies FI Connect, LLC dba Hello Refi as the operator — FI Connect, LLC dba Hello Refi
https://www.hellorefi.com/privacy-policy/
Last checked: October 2026