topic Auto refinance qualification help in Auto Loans

Auto refinance qualification help

systems99 — Wed, 11 Feb 2026 02:45:29 GMT

I have my current loan with Global Lending at 21% APR, my score was 550 and did put $5k down and approved for $19k auto loan in september 2025. I am looking to refinance, i hae had no luck with cap one, bofa, autopay from ck, refijet and caribou.

any of you were able to refinance it with similar kind of situation? I have had good payment history on my credit from last one year and also made all 4 good payments on car til date? Any potential leads would help on where can i try for refinance my auto loan? Thanks

Re: Auto refinance qualification help

pizzadude — Wed, 11 Feb 2026 02:48:10 GMT

Are you eligible for membership in any credit unions, you might look locally to see if there are any in your area.

Have your scores improved much since last September ?

Re: Auto refinance qualification help

FicoMike0 — Wed, 11 Feb 2026 03:24:59 GMT

It seems to me you should be asking for score improvement help. 550 sux!

21% is highway robbery! You might do better with a loan shark.

The two that come to mind are penfed and nfcu.