lolo asked:


I’m halfway down on my car loan and I’m wondering if I could refinance it for another five years in order to have lower monthly payments. I do not know if such things are done at all?

Jack

Mark d asked:


We have a car loan for $ 10,000 and a rate of 7.5%. Looking for a better rate (save some cash). Would it be possible to find a loan with another bank for a lower rate and pay off our bank today to save money?

Roberta

dizzy22 asked:


I’ve been making on time payments for a year could i refinance is it worth it? could i give the car back? what the best way to refinance?

Micheal

era asked:


I’ll be aplying for a home loan soon and I’m refinancing my car loan tomorrow, should I don’t refinance. Would it affect my credit score?

Melanie

Heidi M asked:


I’m finding it impossible to get approval for a student loan because I previously declared bankruptcy. I can easily get approved for a car loan, but not for my education. Anyone with ideas or information about this situation please respond. I have to pay for nursing school by August 1st!

Gordon

kelly m asked:


I am looking to get a loan for a modular home and a piece of land. We would need about 250,000. My husband claimed bankruptcy in 2001 before we were married. I have good credit and make close to $60,000. However, I do have a few credit cards and a student loan to pay. He makes about 35,000, has limited credit cards and a car loan. For the most part we both pay our bills on time. Do you think the bank will even consider giving us a loan?

Grace

tupicce asked:


i have a car for about a year now. the interest rate is 16.75%. i owe 7,500 on the car. i have a score of about 690-700. should i refinance the car or should i get a loan from the bank and pay it off. which is better, i need some advice.

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Guido Nussbaum asked:


If you have been searching for an online car loan, then you might have noticed that there are several car refinance loans that you can apply for. Using one of those refinance car loans can result in a lower interest rate. This means lower monthly payment rates and finally more cash for you!

Those refinance auto loans consist of more than one interest rate, so when you compare different car loans make sure you are comparing the loan related fees. Other fees are normally independent of the bank or finance institute. Not only do you need to compare the interest rates but also other loan relevant features like prepayment penalties and conversion options. These rates differ a lot and it is worth to take your time to compare several offers.

You also want to find out about the lock-in-period, this is a certain period of time during which the interest rate will be guaranteed. These lock-in-periods usually range from 30 up to 60 days but there are finance institutes that have a much shorter period for you to act. Make sure you compare all the different offers within the shortest lock-in-period, this way you can choose the best rates for your car loan.

By refinancing your car loan you can take advantage of lower interest rates. In case you purchased your car within the last 18 months, you might be able to beat your former interest rate through a refinance auto loan. If you apply for a refinance car loan, you’ve got nothing to loose but you might save some

money.

Here are some things to think about before searching for a refinance car loan:

- What are your current interest rates?

- Will your credit qualifications allow to get a refinance car loan?

- What does your credit report look like?

- What are the current loan rates?

- How high will your savings be when you apply for a refinance auto loan?

It is important that you determine what you are going to do with your refinance loan before you even apply for it. Will you keep your current monthly rates and finish earlier or will you pay less monthly? You see there is a lot of things to care about, once you are sure about these you can simply apply for your refinance car loan.



Margaret

rustik23 asked:


Car loan is 17000 dollars apr is 17 %.
Dealer told me that i can refinance in 4-6 months, but i think he lied to me. Bank told me that i can refinance only once.
So 4 months passed.
SHould i try to refinance it or wait at least 12 months???
Thank you.

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Emma B asked:


When I first got my car in March 2006 my interest rate was 17.9% I refinance in September 2006 with E-loan for a rate of 11.04% we recently bought a home and our finally establishing some credit. So I think it’s time to refinance again. Does anyone recommend a great place to get a great rate?

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