Hi, I have a question for all loan chatters... I am already a home owner, I want to refinance/upgrade my home. I have a car that was repoed. back in 1998...will I have to pay the car company before I can aquire a loan. the car was 6 months from being paid in full I feel I don't owe this company, what are my options?.. How much of it will affect my interest.. and why?..... Anyone? Thank you