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I think the chances are good you can beat 9.9%. Especially because you are doing a great job of keeping the loan lower than the value. Try credit unions, and ask about what are the credit tiers break points. They might have a better rate at score of 650 for example and you're not far from it.
Contact your local credit unions.
Ok thank you,
I'm a member of USAA and I'll reach out to NFCU. I have one card at 60% balance so I'll pay that down before I app. I'm even willing to make another down payment of $1000 or so.
I've been wanting to join a credit union anyways.
@Sneakytiki wrote:
I had a quick refinance question with my auto loan.
It's a 72 month loan through Wells Fargo Dealer Services at 9.9%.
Original loan amount: $11,440
Current balance: $9750
Car value: $11750
My auto score at the time was 590.
My FICO 8 scores are around 640 today. Perfect payment history and it was opened in Jan 2014.
Just looking for options.
Thank you
You have a good loan to value ration so I am sure you will be fine getting refinanced. I have lower scores and got 4.29% with NCFU, not sure the year of your car, that will have an impact if it is older than a 2013 if you go through NFCU.