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possible refinance?...

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chanteezy1006
Contributor

possible refinance?...

Heres the run down i have a 2013 honda civic 4d ex sedan. paymenst at 448/month for 72 months. i have 52 months remaining and curren balance is 19318.02 from 24820.32. capital one had been sending little notices about refinancing and if i will lower the payments im interested. what di you guys think? current interest rate is 8.99%. scores have improved since then and id like to be able to save a little cash but not extend the remaining loan terms.

MY FICO SCORES EQ:641 TR:691 EX:680as of 04/10/2015
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SamsungHDTV
Established Contributor

Re: possible refinance?...


@chanteezy1006 wrote:

Heres the run down i have a 2013 honda civic 4d ex sedan. paymenst at 448/month for 72 months. i have 52 months remaining and curren balance is 19318.02 from 24820.32. capital one had been sending little notices about refinancing and if i will lower the payments im interested. what di you guys think? current interest rate is 8.99%. scores have improved since then and id like to be able to save a little cash but not extend the remaining loan terms.


There is a decent chance you could get a better rate than 8.99%. Hopefully the lender will pull one of your higher scores. Only one way to really find out.

Message 2 of 3
chanteezy1006
Contributor

Re: possible refinance?...

At the time my scores were 580-600 range... You are correct in ill only know if i try. Sooo i think I'll let it hit 2 years and then see how i feel .
MY FICO SCORES EQ:641 TR:691 EX:680as of 04/10/2015
Message 3 of 3
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