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Discussion in 'Credit Talk' started by GVieve, Aug 15, 2003.
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From my experience, as long as you have on time payments for at least 12 months, you can refinance with the same institution. We refinanced through the credit union that initially gave us the loan, at a much lower interest rate, we went from 11% to 7%, about 2 years ago. Try a credit union, or the bank from which you have the loan. You just have to go in and speak with someone in the loans department.
You probably need to check the value first. If you're "upside down" (owe more than the value), you may not be able to refinance. If the loan balance is less than the value, you should follow the above advice and go to a bank or credit union and talk to them. They'll make the check out to the institution that has the loan now, so you won't get the money.
Go to edmunds.com or kbb.com and you can enter your car info. It will give you the car value. Then check your payoff to see if you are upside down. This info will get you started.
fyi dont waste your time with eloan or peoplelast - they wont take anyone below a 720 - i know cuz i tried twice
they will sell your app about 10x each