Hello! I'm looking to refinance my 2015 Kia Forte. I am currently with Santander with an APR of 17%. My scores are accurate below and I do have high balances on some of my cards. Should I look into refinancing now or should I pay my balances down before trying? Is there another lender that I should try to refinance with? I don't want to try too many different place because I am working on my scores for a mortgage loan within the next year. I have paid all of the collections that was on my CR, if that helps any. Thanks for any help that is given in advanced.
