I made a mistake last time, I meant principal not interest, all extra payments go to principal and I double checked that today.
the paying it down to 79% of original loan is interesting, are there any thresholds like this that maximize my chance at the lowest apr?
I'm sure there is a % remaining of original loan amount plus if I owe less then the market value of the car then that would be the best time to refi.
If anyone one has any detail regarding that it would be much appreciated
