Jaguar Refinancing (August 2025)

Unlock savings on your Jaguar auto loan

By refinancing your Jaguar with Way.com, you could:

• Reduce the APRs on your Jaguar loan
• Reduce your monthly loan payments on your Jaguar vehicle
• Change a co-signer/co-borrower of your loan
• Refinance and buy out a Jaguar lease
• Update your Jaguar loan terms and conditions
• Defer a payment or take payment vacations

What is Jaguar refinancing?

Jaguars are always a standout since their launch. If you are into luxury compact SUVs and intelligent car Jaguars got many options. The “luxury” tagline comes with a hefty amount mostly, it’s better if you consider refinancing.

• With Jaguar refinancing, you can trade your current costly loan for a new one with better, often cheaper interest rates.
• The new lender will pay off your current loan balance, relieving you of the old loan and committing you to a new loan with a lower APR and monthly payment.
• You could save up to $1850 a year if you get the right lender.

Why should I refinance my Jaguar?

It is possible that you may have been convinced by the bank or the dealership that whatever they have is the best offer available based on your current credit score.

The possibility of you getting a much lower rate is high if you do your research and compare your options. Refinancing helps you to do it correctly if you missed out the time before. Some of the advantages include:

• Lowering your Jaguar interest rate: A high APR is not at all economical. Reducing it by just 1% can save you hundreds every year.
• Lowering your Jaguar auto monthly payment: Refinancing can help you save around $80 or more every month, which can go into repaying student debt, mortgage, and more.
• Add or remove a co-borrower/co-signer: Paying off a loan can be hard on your own. Adding a co-borrower or signer can help speed up the process.
• Adding more benefits to your loan: Insure your Jaguar against any damages with GAP insurance, Extended Warranty, and more.
• Option for cash-out refinancing: Take a loan with a portion in cash and pay for immediate expenses.
• Buying out your Jaguar lease at the end of the term.

How much can you save when refinancing your Jaguar with Way.com?

The US average for auto payments has surpassed $600! Even the most carefully planned auto purchases can go wrong, especially given the current economy's rising prices.

If you refinance with the right lender and a great credit score, you can save up to $1850 every year on your auto loan by reducing your APR by at least 1-2%. You can also use cashback auto refinancing to borrow funds for immediate transactions.

When should you refinance your Jaguar?

Don’t jump to refinancing your Jaguar as soon as you figured out that you are overpaying. Before you can get a good deal, you must find the right lender, have a good credit score, and meet a few essential criteria. Such as:

• At least 6-12 months have passed since you took the original loan
• Your credit score has increased to more than it was when you took the original loan
• You've built up a consistent payment history and cleared all pending dues
• You expect to have a financial crunch soon and want to save money on your auto loan
• You’re looking to add a co-signer or co-borrower

What Jaguar models can I refinance?

Jaguar's revenue is expected to reach $1.22 billion in 2023. If you are planning to contribute, it is advised that you get your Jaguar refinanced. Note that it may vary between lenders, so it's best to check with them before applying.

• Jaguar F-PACE
• Jaguar E-PACE
• Jaguar I-PACE
• Jaguar F-TYPE
• Jaguar XF

What documents are required for Jaguar refinancing?

Having all the required documents ready will come in handy if you plan to refinance your Jaguar. The following are considered necessary for refinancing:

• Your credit score: A credit score above 700 can get you the best rates.
• 14-day payoff amount: This is the pending loan balance and interest to be paid rounded off over to the next two weeks.
• Loan-to-value ratio: The LTV will tell you if you are “upside down” on the loan. If you are, then refinancing your car will be harder.
• Loan term remaining: You should wait until at least six months have passed on your current loan, and have at least a year left to repay the existing loan.
• Prepayment penalty: Make sure that your existing loan provider does not have a clause penalizing you for paying off the loan early.

Also keep your personal details ready, like:

• Vehicle information: VIN, title, registration, number, and mileage
• Income information: Salary slips, pay stubs, and tax returns
• Personal information: Driver’s license and Social Security Number

Will my Jaguar be eligible for refinancing?

While different lenders have different eligibility requirements, your Jaguar will typically pre-qualify for refinancing if:

• It is less than 10 years old
• It has a mileage of less than 100,000
• You have a valid driving license
• You have a valid registration
• You have a consistent payment history on your current loan
• You have a verifiable income source
• You have full coverage insurance

How to refinance my Jaguar with Way.com

Step 1: Figure out your savings

Use an online auto refinance calculator to get an idea on your desired APR and determine how much savings you can get every month.

Step 2: Do your research before pre-qualifying

Shop around with multiple lenders to find the best offers. Pre-qualification can help you shortlist the best offers and rates.

Step 3: Select an offer and start saving

Complete the formalities by sending in the required documents. There will be a hard credit inquiry – so be prepared for a drop in your score by a few points.

Can you refinance a Jaguar with bad credit?

If you have a history of bankruptcies, repossessions, late payments, or defaults, you can still refinance a vehicle with bad credit. However, you may have to make some concessions, such as:

• A larger down payment at the time of refinancing
• Get a co-borrower or co-signer to qualify for a loan
• Search for lenders specializing in bad credit loans
• Settle for a higher APR or longer loan term (which could affect your savings in the long run)

You can find lenders who specialize in bad loans using refinance platforms like Way.com.

Why our Jaguar Refinance Program is great for you

At Way.com, we know that buying a Jaguar is only the start of an expensive ownership journey. That’s why we aim to simpify car ownership in America - starting with your car payments!

Our AI-enabled fintech platform can help you:

• Get connected to the best refinance lenders
• Compare offers and rates from multiple lenders
• Refinance lease buyouts
• Include additional benefits like insurance, extended warranty, etc
• Refinance with a bad credit score

... and much more!

What is Way.com?

Way.com is the #1 auto super app and car services marketplace in the country making car ownership affordable for millions of Americans. Whether you own a sedan, sports car, hatchback, vehicle, or RV, the Way.com auto super app can help you save more than $1000/year through our following services:

• Auto insurance and refinance
• Airport parking and city parking
• Car wash services
• Roadside assistance and Cashback on gas

Way.com has a 4.5 rating on Trustpilot, with more than 3 million satisfied customers. The Way app also has a 4.7 rating on Google Play and 4.9 on the iOS app store.