1. Look for lenders who have specific plan targeted towards for your need. Your specific loan requirement may not match with their existing loan plans and if the company can sketch out a specific plan for you, you should consider them.

2. Look for customer support: Every refinance company claims excellent customer support. Examine it yourself. You can also get feedback from the existing customers.

3. Look for interest rates offered: They should be competitive. Even if the rates are competitive or comparable with the market rate, you should negotiate for a better rate. You may not get any direct benefit from negotiation but you will come to know how the lenders deal with their customers.

4. Look for honesty: Many lenders charge you more interest than due especially if you have a low credit score. It is better to get your credit report so that you can negotiate with the full facts to hand.

5. Look at their 'sociability': The company should be social and helpful in nature. Many lenders just think about the money. A few may be kind enough to refinance you at the optimum interest rate and agree your terms and conditions partially or fully.

6. Interest rate difference: Financial experts believe that the benefit depends on the duration as well as the current market interest rate. Credit refinance is worthwhile for the following two conditions. One is if the current interest rate is roughly 1.5 to 2 % lower than the interest rate at which you are now paying. The second is that your remaining duration is more than two and half years.

7. Good credit score: If you have a good credit score, you need not worry about getting a loan; however if it's poor you'll need to improve it.

8. Changing the terms of the loan: You can change a floating rate loan to fixed rate loan or vice versa. Similarly you can alter the duration of the loan from short duration loan to long duration or vice versa.

9. Look for website information: In the case of an online finance company, you can apply through their web portal. These companies work very fast and you get your refinance approval within a day and in some cases within one hour.

10. Contact more finance companies: You should enquire from a few online or offline finance companies before you finally take a decision. Include your first lender as most of the time the first lender will refinance at more convenient interest rates; they'll want to keep your business.

You should carry out a complete cost-benefit analysis. Negotiate with the lenders so that you get the maximum benefit. Competition is tough in the financial marketplace so you should be able to get a better deal.