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Congrats you had a great week.
Hi, I know this is an old post. OP, when you said you refinance your auto loan you said it is
"2.99% for 60 months" right? How old is your vehicle and the mileage at the time if you don't mind me asking.
2.59% 36 months
3.29% 37-60 months
4.09% 61-72 months
I spoke with a representative few months back, I was told that since my truck was purchased new on May 2017 with mileage of 9500 (Feb, 2018) it is considered a late model for refinance. I am looking at their page but they only offer for late model rate below. Congrats! You really getting a good rate for refinance of 2.99% which is not an easy feat.
Thanks, I appreciate that for the reply. That's really a nice APR that you have . I spoke with a rep early and yes I was told that depends on which department, once that department doing a hard pull the subsequent loan under the same department would be soft pull. If you apply from a different department they have to do another hard pull since they are looking at different scores. For obvious example, mortgage vs auto loan.
I was told that if I get 60 months loan, I could get 3.29% but if I get 72 months it would be 4.09% just like the auto loan simulator says. Anyway, if I get the 72 months I will simply pay a around $40 more so that the interest charge at the end of lst payment would be the same as 3.29% but at least I have the flexibility to pay less if I chose to.