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Just got a car loan at 15.59% @_@ for 72 months
Looking to refinance here withing a few months after my scores pick up from the high utilitazation on my credit cards.
• Bought the car for 23,500. The Car is valued at $26,700 at least at my local CU. [Who originally told me I needed a co-signer to be approved ]
• Can I Refinance at a lower % for a LESS amount of time? [My payments right now are $545.98.. And I can afford to make them.
I wouldn't mind keeping that high of payment as long as my % is lower and I'm paying the car off faster, can I do this?]
• Should I expect my score to take a large dip once the loan actually hits my credit?
i bought a car in 8/2015 14% 29k thru WFDS. in december i refinanced thru my CU and got it down to 7% and dropped over $100.00 off of it monthly. so depending on who u got it financed thru u could see if the CU will refinance it for u.
@Anonymous wrote:i bought a car in 8/2015 14% 29k thru WFDS. in december i refinanced thru my CU and got it down to 7% and dropped over $100.00 off of it monthly. so depending on who u got it financed thru u could see if the CU will refinance it for u.
Yea I was told by my CU rep to apply for re-financing in about 6 months. So perhaps I will do that.