Any of you guys/gals refinance your cars? IF so, can you please give me some pointers on what route to go with such as company. Go with a bank or credit union?

I am looking at refinancing for 36-48 mos. I had the car for about 7 mos now...financed for 60 mos. Need a lower interest rate.

All help would be appreciated.

 

What is your current rate?

Re-finance rates are usually higher than normal rates... and with the interest rate going up in past few years... its highly unlikely that you will get a rate which beats your current rate... unless who have a very lousy rate at the moment.

I would ballpark re-finance rates in the 6% to 8% range. Anything lower might be a good deal.

I would go with a credit union they seem to have the best rates. Try affinity feadreal credit union or credit unions in your area.

 

[QUOTE=GCoupe35]Any of you guys/gals refinance your cars? IF so, can you please give me some pointers on what route to go with such as company. Go with a bank or credit union?
...QUOTE]

http://www.capitalone.com/autoloans/...E_C1_04_T_ALRF


http://www.capitalone.com

haven't looked around much, just remebered their ad from b4.

 

ssafe credit union, got a 6.25%.

19 Years old, good credit FTW.

My previous car, 1.5 years ago, awesome, Like 2%.

 

Hows the insurance for you being 19 and having the car under your name. I had to Co-Sign for my mom because i needed a parent to be on the title so my insurance doesnt go up.

I am currently 20, i think if i get it under my name wont my insurance go up?

I have capital one right now, the company i am financed with merged with Capital One.

 

got my 06, 6mt blk on blk g35 fully loaded @ 3.97% for 60months.

best rate ever!

 

Actually, my parents got 3.95%. Muahahhaha! Best rate Infinity will give for a term.

 

Thats also new cars, so 3.95 is respectable.

I don't know how I got such good credit.

But yea I got 2 points on my record and my Insurance is 400 a month.

Luckily, Insurance is one thing I don't pay for.

And Insurance isn't under my name. 3 More months till point is off my record.

Nick.

 

are you sure about that? im pretture sure 3.97 was the lowest they could go on a term of 60 months.

i think that had something like 1.97 or something for a 6 month term.

 

Well my mom got like 2% on my 05 rsx.

Back in november of 2004, economy isn't at it's best right now.

 

well the November promotion Infiniti had was 1.95%, 2.95% and 3.95%, depending on the term.