Best places to Refinance?

[Anonymous]

Doesn't matter the order. I applied for the loan first, was approved then apped for membership and was approved instantly(not the case for everyone). Both take a hard pull because of separate departments.

[reneasworld]

I was about to apply and then I saw such mixed reviews about approval and with my recent purchase I have new inquiries and am thinking they may deny me because of that. I guess I better do it now before the 10 or 14 days has passed.

[Bankrupt2019]

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@Anonymous wrote:

Well.. Just signed my life away on my car with ally Bank. 
@ at 15.59% @_@ I'm aware that's a lot but my car was doomed, and while I was approved at my local CU for 8% I needed to have a co-signer and I 
did not want my father to once again have to save me from something. Time to stand on my own two feet. 

Any-hoo.. 
Bought the car out the door for $23,500. 
My local CU had the car valued at $26,500. 

Questions: 
• How soon should I refinance? 
• Best places to try and re-finance? 
• Any other suggestions. 

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If your scores are as they are in your signature line, try the Capital One https://www.capitalone.com/auto-financing/auto-refinancing/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTML6KG4&PageName=Auto+Loans&PortletLocation=4%3B16-col%3B1-1-2-1-1&ContentElement=1%3BLearn+More&TargetLob=MTS%3A%3ALCTML6KG4&TargetPageName=Auto+Refinance&referer=https%3A%2F%2Fwww.capitalone.com%2Fauto-financing

[Anonymous]

Well first if you purchased something recently you can always just tell them what the inquires were for and that wouldn't affect anything. I had a 24month old 180+ late payment and they asked about it and I explained to them and everything was fine. My eq5 was 677. The approval for MEMBERSHIP can be touch and go supposedly. But I believe that's more if you move a ton probably and for some reason they can't verify identity. They told me over the phone I'd have to send in some proof of residency , when I applied online it automatically approved it. So some are lucky, some aren't, and some just have to verify something. I don't think that's a major deterrent from a great rate personally

[Anonymous]

I refinanced through carfinance.com 9 months ago and have had no issues. I was with Cap1 for almost 2.5 years at 19%. Never missed a payment. My payment with Cap1 was 596$ a month. Applied with carfinance.com and they gave me 4.99% and my payment is 235$ a month. Have read bad things about them. But if you pay on time you won't have any problems.