Can I reapply after my refinance application is denied? December 16, 2021 02:45 You must wait at least 90 days from the date of your loan decision to submit a new application. Related articles Why was my refinance application declined? Can you re-review my refinance application for a lower amount? How do I appeal my application to refinance my loan? Why was I declined? Is there a citizenship limitation to refinance my current student loan?