Considering selling the suby :(
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From: san francisco
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Not sure how much you have left on your car, but if for some reason you can't refinance your auto loan, maybe you can get a personal loan with a lower APR, or heck even a credit card with a lower APR would help.
But like subie OCD said try (if you haven't) just asking your bank if they'll refinance your auto loan, then ask some of the other banks/credit unions (Provident Credit Union, Patelco Credit Union, etc.)
g'luck man!
But like subie OCD said try (if you haven't) just asking your bank if they'll refinance your auto loan, then ask some of the other banks/credit unions (Provident Credit Union, Patelco Credit Union, etc.)
g'luck man!
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From: L.A. and the mountains
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Car Info: 97' Dodge Cummins and an RSTI thingie
Whoops, I forgot, the lender I went with was lower than the original quoted by the dealer.
I looked at the paperwork and I have 17% APR not 22%, but it still sucks.
I looked at the paperwork and I have 17% APR not 22%, but it still sucks.
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Lmao, I was about to say 22% There's no way it's only 600. Unless your loan is for like 10 years.
When I first got my car I was at 12.9%, now I'm at 4.75% 1 1/2 years after. Refinancing is definitely worth it, and I go to a credit union.
When I first got my car I was at 12.9%, now I'm at 4.75% 1 1/2 years after. Refinancing is definitely worth it, and I go to a credit union.
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Car Info: 97' Dodge Cummins and an RSTI thingie
I pay $370 with the 18% apr, I'm going to go to a few credit unions tomorrow.+
I've been thinking a lot about finances, and it'd be really nice to not have to pay upwards of $600-650 a month to keep my suby (in gas, insurance and the payment).
I have a few options:
Refinance the STI and retire it only to recreational driving instead of driving it every day because I love it.
Sell the STI and buy an econo lunchbox outright
Trade the STI in for a WRX or a more economical/cheaper model.
That being said, anyone have any experience refinancing a car? I want to find a place that has a lot of lenders, my APR is HORRIBLE, its 22% but that's all I could get due to a big blemish on my credit which should be gone now.
I have a few options:
Refinance the STI and retire it only to recreational driving instead of driving it every day because I love it.
Sell the STI and buy an econo lunchbox outright
Trade the STI in for a WRX or a more economical/cheaper model.
That being said, anyone have any experience refinancing a car? I want to find a place that has a lot of lenders, my APR is HORRIBLE, its 22% but that's all I could get due to a big blemish on my credit which should be gone now.
It's QQ thankyouverymuch
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Holy **** guys... Now I feel like an ******* for getting 0% on my first (and only) car loan.
Paul, hopefully you will find some good deals tomorrow. From what others are saying, it doesn't seem like refinancing isn't that much of a pain.
Paul, hopefully you will find some good deals tomorrow. From what others are saying, it doesn't seem like refinancing isn't that much of a pain.
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Joined: Jan 2007
Posts: 363
From: Las Vegas, NV
Car Info: 1975 Ford Pinto
just have your parents pay for the car and say you will pay then back later, interest free..
then of course really not pay then back, like im sure many here are guilty of tsk tsk
then of course really not pay then back, like im sure many here are guilty of tsk tsk
All-in-all I say credit unions are the best.
It's QQ thankyouverymuch
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From: San Jose
Car Info: 2011 SWP WRX Hatch
That's just terrible, a few hundred bucks here and there, I can see. But thousands of dollars on a car? Yeah, not going to get away with that one.
I'd just hold out and try to refinance if I were you. If your credit blemish disappears this year - and doesn't get sold off to another collections agency - your insurance rates are likely to go down as well.
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From: South SF
Car Info: 97' Dodge Cummins and an RSTI thingie
I did a 5 year term, and I put 5000 down, so I only ended up financing 14500. I bought it at a bad time, when the economy was tanking 
.
My insurance really isn't bad its only 135 for my car, truck and renters insurance.
. My insurance really isn't bad its only 135 for my car, truck and renters insurance.
