Refinance being worth it

[Anonymous]

My 48 mo auto loan is at 5.49 and I was wondering how many points down an offer generally needs to be, to be worth the refinance? Thanks

[mikesonthemend]

Unlike most mortgages, there shouldn't be any closing costs or extra fees to consider when deciding to re-finance. If your payment is reduced and loan time is not extended, it is worth it.

[Dj4Money]

 Try DCU they may give you 2.75% on the rest of your balance.