How it works
Three steps. You only do the first one.
- 1
Fill out one short application.
Your car, your current loan and your income. Most people finish in about 15 minutes.
- 2
We match you with a lending partner that fits.
We look at what you told us and send your application to a lending partner suited to it.
- 3
Your lender reviews and decides.
If they approve you, they contact you with an offer. You choose whether to take it.
What we ask for, and why.
Your lender needs the full picture to decide. Keep your loan statement or your lender’s app handy.
- Your current loan
- Your lender, your monthly payment, about how many months are left and about how much you still owe, so a new loan knows what it would pay off.
- Your car
- Year, make, model and mileage (the VIN is optional). The car is what backs the loan.
- Income and work
- So your lender can see that a payment fits your budget.
- Where you live
- Your address and how long you have lived there.
- Social Security number
- Your lender needs it to check your credit. We encrypt it, and we delete the full number from our systems 30 days after your application is sent.
- About you
- Your name, date of birth, phone and email, so your lender can confirm it’s you and reach you with its decision.
Your current loan
We never chargeyou a fee.
Applying costs nothing. We never ask for a password or a payment to apply. If anyone does, it isn’t us.
Questions
Straight answers. If yours isn’t here, email us at support@myridesaver.com.
Why did I get a text from you?
You may have received a text from us about refinancing your car loan. Reply STOP to any of our texts to opt out.
We never ask for passwords or payment to apply.
Are you a lender?
No. My Ride Saver is not a lender and does not make credit decisions. We match your application with a lending partner, and that lender reviews it and decides whether to offer you a loan, and on what terms.
Does it cost anything?
No. We never charge you a fee.
Why do you need my Social Security number?
Your lender needs it to check your credit. We encrypt it, and we delete the full number from our systems 30 days after your application is sent. See our privacy policy.
How long does it take?
Most people finish in about 15 minutes. Having your loan statement nearby makes it faster.
Will refinancing always lower my payment?
Not always. Your lender sets the rate and the term. A lower payment that comes from a longer term can mean paying more interest overall, so read the offer before you accept it.
How do I know this is really you?
Our mailing address is 111 Town Square Pl, Ste 1238, Jersey City, NJ 07310.