08-16-2012 05:43 AM
Is there a bank in existance in anyones opinion who could refi a 2011 Nissan Rogue SL that has a LTV of 120% and do better than 7.99%.
I currently have this car financed thru PSECU with a 7.99% rate for 84 months. The short story is my wife bought her first car and got ripped off, so she needed
a new car and we had to carry the negative equity to the new loan.
Currently the rate is 7.99%. Payment is $589.06. Credit score is about 750. Any ideas?
08-16-2012 05:46 AM
If you can qualify for membership, RBFCU.org 1.9% with that credit score, no matter the year or make. Good luck!!
08-18-2012 11:22 PM
I think most everyone will ask for paystubs for auto loans assuming you're W-2 employed. I'd be awfully surprised if they didn't these days.
08-30-2012 11:44 PM
Just a thanks to AusTex. We applied for the loan with RBFCU and were approved. We did not get the 1.9% but instead got 2.4% on the refi which was fine with me.
Going from 7.99% to 2.40% is great in my book. Thanks and kudos for the great tip. We cut 8 months off our previous loan and saved $30.00 a month.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.