Help with auto refi

[Anonymous]

My LTV is apparently too high for Capital One.  It prompted me before I hit "submit" on the application.  Does anyone know who offers a refi with a higher LTV? We were dumb to take this loan originally anyhow.  It's a 2014 Nissan Rogue Select financed with NMAC at 17.14%. Payment is $618.10. 72 month term and have 57 payments remaining.  Gulp.  Help!  Trying to rebuild credit and dealership talked us into this vehicle 16 months ago.  I refuse to use RoadLoans.  I've been swindled by Santander before.  I've never had any late auto payments.  

[Luscher]

You could try DCU. Im not too sure with those scores.

[Anonymous]

i was thinking you had to be a member with DCU and I think they look at direct deposit.  I'm with NFCU and have direct deposit.  Tried refi with them several months ago and LTV was too high.  Thank you for replying tho!

[trant3]

Whats the LTV? Theres a few institutions that will go 110% thats about as high as it gets. Also being qualified may also be an issue with scores in high 500s

[Luscher]

Its easy to get DCU membership. Anybody can

[Anonymous]

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@trant3 wrote:

Whats the LTV? Theres a few institutions that will go 110% thats about as high as it gets. Also being qualified may also be an issue with scores in high 500s

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LTV is over the 110% threshold.  I think it's about 125%

[Anonymous]

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@Luscher wrote:
Its easy to get DCU membership. Anybody can

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I was just worried they would want direct deposit (I'm a loyal NFCU customer). And i've had about 80 something inquiries in the past year.    

[bronxbomerss2]

I work in the lending dept. at my CU and 125% is the MAX we do and under that stipulation I would expect nothing but excellent to near perfect credit. With vehicles being inflated by as much to 10-30% from wholesale blackbook evaluations you figure 125% retail value is actually much more than that! Unfortunately I don't see you getting out of that loan without putting money into the refi to bring you back to 100%. 

[Anonymous]

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@bronxbomerss2 wrote:

I work in the lending dept. at my CU and 125% is the MAX we do and under that stipulation I would expect nothing but excellent to near perfect credit. With vehicles being inflated by as much to 10-30% from wholesale blackbook evaluations you figure 125% retail value is actually much more than that! Unfortunately I don't see you getting out of that loan without putting money into the refi to bring you back to 100%. 

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ahhh...that's what I was afraid of. Thank you for responding!