I pulled the trigger today as my credit picture is not going to get much better anytime soon and I wanted to refi my car. I got the "range" of APRs they might offer, the lowest being 2.99, the highest being something I would never agree to (11% ish?) I'm currently at 5.74%. My current EQ score isn't so hot, 669, but like I said, it's pretty much all UT that isn't going anywhere soon as I'm taking advantage of 0% offers and the dust is settling post-home purchase. Just hoping I didn't take a hard pull for nothing and get a crappy APR or, worse, declined.
Turned out to be a HP for nothing after all. I was approved, but with a 7% interest rate which was higher than what I have now. Then they kept trying to sell me on a NEW car, but I'm not interested, I just wanted to lower my payment/interest. I declined the whole package, guess I'm stuck at 5.7% for another few years.