Yrefy is a national specialty consumer finance lender founded in 2017, headquartered in Phoenix, Arizona. The company operates across 41 states, focusing on a specific segment of the student lending market: distressed and defaulted private student loans.
Its core product is a student loan refinancing service that works by negotiating deep discounts with original lenders on defaulted loans. It then offers borrowers fixed-rate consolidation loans. According to the company, borrowers report saving 50% or more on their monthly payments through this process.
The firm describes its philosophy as mission-driven, centered on the principle of "doing well by doing good." This is reflected in community commitments that include charitable donations to organizations such as Phoenix Children's Hospital and the Save the Family Foundation of Arizona.
