Can't answer your question.
Just a suggestion to seek AZEO to dress up your report as best as possible when it's time to apply. 49% utilization may not get you the best rates.
@Velar_nyc19 wrote:So this is the situation guys,
I got a auto loan from CAP1 June last year, with an APR 11%, but now i have improved my scores a lot, currently sitting at 698 Fico 8 on experian which is what BFCU & PNC pull and as of today my highest score as well.
Do you think i would get good rates if i apply ? I really need to refinance, my monthly payment is too high currently
I have several credit cards and never a late payment, no collections and nothing derogatory, at least on Exp. Utilization is at 49% as of today and only 5 inqs.
Does anyone here have used BFCU / PNC with auto loans in the past and what were your scores when you applied ?
I would go with bethpage. CU are always a better option and may overlook the 49% utl more than PNC will. You may be able to contact them and see if they can tell you what kind of rate your score will get before you apply. I am sure it will be lower than 11%.
