Yrefy is a national specialty consumer lender founded in 2017, headquartered in Phoenix, Arizona. The company focuses on refinancing distressed and defaulted private student loans, a niche within consumer finance. Its core technology involves proprietary underwriting systems that evaluate borrower income potential and reliability, enabling it to serve a segment of the market that traditional lenders typically avoid.
Through its Student Loan Refinancing product, Yrefy allows borrowers to consolidate defaulted private student loans into a single payment at fixed rates ranging from 0.1% to 5.99% APR, with terms from 3 to 20 years. The company reports that borrowers save 50% or more on monthly payments. Yrefy operates across 41 states and holds a national endorsement from Dave Ramsey.
The company describes its philosophy as "doing well by doing good," and maintains a community commitment through charitable donations to organizations such as Phoenix Children's Hospital and the Save the Family Foundation of Arizona.
