REFI OR NOT

[RUSTY101]

Heres my question

I have a truck that is fin thru wells fargo at 15.75% Payments of $ 532.00/m

I would like to refi, I think, but not sure how to go about it, or what it really is

I dont care to spread the loan out longer, just wanting to get interest lowered

When I got the veh, my score was in the 500, now EQ 629 TU 640 EX??

Any advice??

[Anonymous]

go to a credit union,

[RUSTY101]

Ok I will check that out, but what do I say? Do you think they will refi for me? Will my scores be ok? any info you or anyone can give me will be great, as I have never refi anything

[Anonymous]

I just called my local credit union that I joined last month.  Without her pulling my CR she told me they pull Experian and you must have at least a 640 score before it is considered.  So just call and ask what there requirements are and if you have ever filed BK ask if they are BK friendly etc.  Know your CR info before you call so you can ask questions.   I am at 12.9% with CifiAuto have paid on it a year so like you I am wanting to get a better iterest rate.

Hope that helps.