Auto refinance qualification help

[systems99]

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 

[pizzadude]

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 ?

[FicoMike0]

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.