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I'm looking to refinance my 2010 malibu. I got my loan when my credit was at a 520 so i have a 26% interest rate. I have paid on the loan for 2 years now at 425 a month. My credit is now at 657 and I would love to refinance for a lower rate as i still owe $8200 and I still have 2 years left on the loan. I just need a lower payment. My income has gone down and it's a struggle with a payment this high. Capital one denied me and im not sure what other good companies there are out there. Any help would be appreciated. Thanks
Time to emply some creative thinking.
Do everything you can to keep making those payments on time.
I would check with Prosper or Lending Club and use the Soft Pull option to see if you qualify. Even if you come in at 20% interest it may give you some breathing room.