upside down car loan refi ?
Owing less than the retail value is definitely something refinancing banks like to see.
When I was going to refinance my suv, they pulled my credit, and my score was 699. They told me that since my credit score is below 700 (their cut-off for the best rates), I needed to come up with a downpayment to cover the difference between it's worth, and the payoff amount or pay they'll have to give it to me @7.5%
I eventually, I got a couple of inquiries bumped, and raised my score 7 points, and they decided to give me the loan without needing the downpayment. It was a credit union... and I was $2K over the truck's retail.
AmEx Blue Cash - 6.99%
Chase Platinum - 6.99%
Citi Illumina - 8.9%
BankOne FreeCash Platinum - 8.49%
Credit Union Platinum VISA - 9.99%
TU FICO - 727 (3/25) EFX FICO - 738 (3/26) EX FICO 703 (3/26)
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