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I needed a car and was just hammered by the worst used car dealer ever. I'm paying $296/mth 48 mths. with 22% interest. I just made my 8th payment. my credit was a 522 when I applied. I've made all my payments on time and always pay a little more. I have been monitoring my credit and paying all my bills on time. the interest is KILLING me, should I refinance or is it too soon? Or should i be thankful that i have an auto loan?
2009 Mitsubishi Lancer
Miles: 104,000
Owe: $8,400
Any insight would be appreciated. EQ 559 TU 591 EZ 565
You can try to refinance it but you might want to wait until your scores get over 600, TU is really close. The only thing you might have an issue with is the car has really high miles.
I agree with the above post, you should wait until your score comes up a bit more. Although, it doesn't hurt too much to try, each refi app is an inquiry.