Rate-sensitive borrowers actively comparing what they pay now against what they could pay — the shortest distance between search and a funded refinance.
Refinance intent converts faster than purchase intent: the vehicle exists, the payment is known, and the motivation is monthly savings. This hub captures payoff amount, current rate and vehicle age, then routes to credit unions and refi specialists who compete on APR.
Existing loan balance, current rate and payoff timeline declared up front.
Borrowers already qualified once, so documentation friction is lower.
Demand scales with rate movement; caps let you open and close the tap the same day.
Clean separation between auto refinance, mortgage refinance and general rate shopping.
A typical record routed out of AutoRefinanceAI.com. Fields are normalised across the network, so one integration covers every hub you take allocation from.
Who is searching
{
"lead_id": "olai_7f3c91",
"source_domain": "autorefinanceai.com",
"vertical": "refinance",
"current_balance": 318000,
"current_rate": 7.25,
"goal": "lower_payment",
"state": "AZ",
"credit_band": "700-749",
"consent": {
"tcpa": true,
"double_opt_in": true,
"timestamp": "2026-09-03T02:41:18Z"
},
"match_score": 0.91
}Every applicant confirms by email before anything is transmitted. TCPA consent is captured with timestamp, IP and user agent.
We are a routing layer, not a data warehouse. Records pass through to your endpoint — your platform is the system of record.
State, vertical, amount band, credit tier, daily caps and dayparting. Change filters without touching the integration.
Take records exclusively in your footprint, or share allocation. Accept, decline and funded postbacks tune your routing weight.
Exact-match domain relevance plus vertical content targets these queries and their long-tail variations — the applicants routed to you arrive from these searches.
Tell us your licensed states, amount band and preferred handshake. Submissions go straight to our partnerships inbox — nothing is written to a database.