I owe just $9,500 on the wife's 2016 Ford Explorer bought in June 2020. Current loan is through Wells Fargo at 8.89% with 55 payments remaining out of 72. Considering trying to refi with either Navy or PenFed. Current FICO 8's are all right around 650, no baddies on the report, high revolving utilization. Worth trying either one? Any suggestions on what kind of interest rate I'd be looking at? Is one usually better than the other for refi's?
EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
