Houston Auto Refinance TU or EX

[DanMengdensMustache]

Hey y'all, I'm looking to refinance my 2022 4Runner. 8k miles. $49k payoff. Recommendations in the Houston area?

FICO

EQ 676

TU 706

EX 706

FICO 8 Auto

EQ 656

TU 704

EX 705

Appreciate any input!

[Harvey26]

What state are you in? Current rate?

[FLLGuy]

@Harvey26  - OP mentioned he's in Houston, Texas.

[2b2rich]

I have always used Navy Federal CU.  You would need to be a member, but I don't think it's too difficult to get a membership.  There is one on Shadow Creek Pkwy at the 288 exit.  For the record, they usually pull TU and I'm almost certain it's Fico 9.

(EDITED TO ADD:  I have used them once before and right now have an auto refinance app pending (because I forgot to unfreeze my reports lol).  I recommend them and they have always given me a good rate. My scores are very close to yours too).

---

@DanMengdensMustache wrote:

Hey y'all, I'm looking to refinance my 2022 4Runner. 8k miles. $49k payoff. Recommendations in the Houston area?

FICO

EQ 676

TU 706

EX 706

FICO 8 Auto

EQ 656

TU 704

EX 705

Appreciate any input!

---

---

@DanMengdensMustache wrote:

Hey y'all, I'm looking to refinance my 2022 4Runner. 8k miles. $49k payoff. Recommendations in the Houston area?

FICO

EQ 676

TU 706

EX 706

FICO 8 Auto

EQ 656

TU 704

EX 705

Appreciate any input!

---

[Anonymous]

---

@DanMengdensMustache wrote:

Hey y'all, I'm looking to refinance my 2022 4Runner. 8k miles. $49k payoff. Recommendations in the Houston area?

FICO

EQ 676

TU 706

EX 706

FICO 8 Auto

EQ 656

TU 704

EX 705

Appreciate any input!

---

You should try to refinance with DCU. I always got the best rate from them.