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Auto Refinance: Low Interest Auto Loan

www.autorefinancetips.net Owning a car is made easier through the availability of auto loans. And the easiest way is to avail of low interest auto ...

auto refinance?

Aug 29, 2006 by pjsccc98 | Posted in Credit

I financed a car at 19.95% because of bad credit. About 5 months later, I recieved an offer to refinance with Capital One at 16.95%, so I did. I just recieved another offer to refinance again with Household Auto Financing at 12.95%. Should I refinance again? Will this be hurting my credit?

this is just the way of making t pay for longer get all the detail on how long the payments and other stuff are before making a decsions and i would just Cancel All my credits cards when i am in dept so should you>

Will I be able to get cash back with an auto refinance?

Mar 25, 2008 by $ | Posted in Credit

I just purchased a vehicle $15,000 bellow its Kelly blue book value. With an auto refinance will I be able to access that cash or get any cash back? Also any information on companies that has this cash back option will be helpful. Thank you!

Auto finance is what I do for a living and the answer is yes you can access the equity in your vehicle by refinancing it.

One of the things car loans are based on is the loan to value, if your $15,000.00 back of Kelly Blue Book you should have no problem getting at least $10,000.00.

The reason I say this is banks use N.A.D.A. not Kelly and they go by loan or wholesale value not retail.

The best time to have done this was when you bought the vehicle, but you should still be able to do it.

What Is The Lowest Auto Loan Refinance Company Out There?

Jul 21, 2008 by rita s | Posted in Buying & Selling

I am trying to refinance my Mazda car and currently, I am making a payment of $300 a month. What company has the lowest auto loan refinance interest rate? Needs to be available to Florida residents and it does not matter if it is an online company only. Thank you.

Sorry, you posted this twice, so I'm answering twice. I want to be sure that people down the road get the right information.

There is no one lender with the "lowest rates." We have many lenders that, depending on the situation, have the "lower" rate than the others. It just depends on your car and your finances.

Please note that Florida is enforcing a law that will make you pay sales taxes on your car again if you are refinancing to remove or add someone onto the loan (co-signer). Please just be aware of that as you are moving through the process.

I would start with a local credit union, but really, any one of the major auto refinance brokers are going to be talking to the same financers.

Where can I get an auto refinance loan that will give me extra cash over and above the payoff for my car?

Nov 08, 2007 by jeldredmitchell | Posted in Buying & Selling

I want to do some extra work on my car to enhance it's value and condition, rather than just trade up. I like my car and I know what I've got into it already. I don't want to get another used car--something that I have to start all over learning about, in terms of its mechanical needs. I just want to make my current car better, with the extra cash imbedded in the refinance.

you can get cash above the payoff for your car if you have enough equity to meet the LTV guidelines for the bank, and still have room. Check with all the local banks to see what their guidelines are, and what they would lend on your car.

Which is the best bank to approach for Auto Refinance for a credit score in 600's?

Aug 19, 2007 by don07 | Posted in Personal Finance

Bought my new car in FEB 07 with very high APR? Which is the best bank to approach for Auto Refinancing and how do i approach them - New Jersey

just a thought but is it is a new car -- go to your insurance company -- most brand name insurance companies have a financial dept that do loans!!!

Personal loan or auto refinance websites?

Jan 05, 2009 by youresoscene_xxx | Posted in Credit

I am trying to refinance my car through way of either a lender that deals with auto refinancing or through a personal loan. I got denied a loan to refinance my car, but only because the value of my car is like more than half of what I still owe on it.

So are there any reputable sites that deal with personal loans, or auto refinancing? I've already tried lendingtree.com, and that is still processing. And I got denied by Chase.

Please don't visit the other three sites listed on the answer above. I have reported the answer for being spam. They ask for personally identifiable information like SSN without a secure connection. Bad Idea.

A few other sites you can try for refinancing include:
http://www.rategenius.com
http://www.myautoloan.com
http://www.umbrellaauto.com

Some have credit unions as lenders, but try a local credit union as well.

Does Chevy Chase bank refinance auto loans?

Oct 05, 2007 by Anonymous | Posted in Buying & Selling

If I look under "personal loans" on their website, I see they offer auto financing. But what about REfinancing, or does this count as the same thing?
If not, can you recommend any reputable companies through which I can refinance my car?
Thanks!

Any bank that does auto financing will do auto refinancing.

Also check into Capital One. they offer great rates and good service.

How and when can you refinance a auto?

Dec 14, 2006 by jawsnu7 | Posted in Renting & Real Estate

Is it a good practice to refinance a car or truck. I recently purchased a home and the payment is somewhat large. I was in need of transportation before I purchased the home. I was thinking It would hinder the mortgage process if I bought a new vehicle before the house. I want to know is it worth refinancing the auto to make my money and budget work out. I did not buy this auto just to be buying, I bought it because of need and the condition of my 92 van is horrible. There is no heat and many other things.
Any advice is appreciated.

You may not be able to cash out when you refinance your auto. Becuase it has a declining value the only thing you would benefit from is smaller monthly payments by shopping for a better rate and getting a longer term. I am curious about the mortgage you have. You may be in the wrong product. There are so many mortgage options availbale that you could refinance to have a more suitable payment plan for your current financial situation. Feel free to email me if you have any questions or are looking for details geared towords your situation. Just remember you have to decide if your priority is a lower monthly payment and higher interest in the long term.

Does anyone know a good company for auto refinance w/bad credit?

May 06, 2008 by THOMAS S | Posted in Buying & Selling

Need help weeding through the sea of bullsh** ads for a good company to refinance my car. Credit is not so great. Does anyone know a good company?

It depends on what you mean by bad credit. Just your credit score? Do you have collections? Bankruptcy? There are things that lenders take into account other than credit score.

But sadly, in this market, the lenders are tightening up and not giving good deals to those applications with "bad credit."

With that being said, I'd try HSBC and Americredit. If you want to hit a lot lenders at once, try a refinance company like LendingTree or eLoans.

Where is the best place to refinance my auto loan?

Mar 25, 2007 by ml | Posted in Buying & Selling

When I first got my auto in March 2006 my interest rate was 17.9% I refinance in September 2006 with E-loan for a rate of 11.04% we recently bought a home and our finally establishing some credit. So I think its time to refinance again. Does anyone recommend a great place to get a great rate?
Thanks I really appreciate it!

Why not use E-loan again?

Realize that interest rates have risen during the past 2 years and with your mortgage, you may not be able to do better than 11%. Plus, your car has continued to depreciate and there may not be any equity remaining for a refinance. Just be happy with what you have and make timely payments until the balance is $0.