Refinance Questions

[diebadcredit6504]

What's going on - I'm in the process in rebuilding my credit and want to refinance my truck in May or June depending on my score.

I have 2012 chevy LT with 40K miles still owe 28K pay 640 a month with ints rate 10.9%. I will owe 4yrs. I was wonder if anybody can help me because I will need to lower my pmts by 200.00 and dont mind extending it an extra year due to financial issue.

[pizzadude]

You'd probably need to get a rate under 3% in order to drop your payments ~$200 / month, also you'd likely need to go 60 months.

Have you started shopping around with any local CUs / banks to see what they can offer?

[diebadcredit6504]

What's going on Pizzadude - Nope I haven't... I'm still waiting for my score to jump more. I don't want to be a risk to anyone when the times comes. I want to hear the approval right off the back.