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Question about refinancing truck loan
Posted on 7/31/15 at 1:13 pm
Posted on 7/31/15 at 1:13 pm
I borrowed just over $23k for my truck at 3.6% over 72 months, father cosigned with me for the better rate.
I have about $17,600 left and 54 months. Credit score, whichever they use, ranges from probably 755-770. I have roughly 4-5 years credit history.
Is it worth looking into refinancing? Do y'all think i could get a better rate and lower payment? Thanks for any help
I have about $17,600 left and 54 months. Credit score, whichever they use, ranges from probably 755-770. I have roughly 4-5 years credit history.
Is it worth looking into refinancing? Do y'all think i could get a better rate and lower payment? Thanks for any help
3
Posted on 7/31/15 at 1:16 pm to jp90
I refinanced with Pentagon Federal Credit Union at 1.49% a few years back. All I had to do was pay about 20 bucks to join. You can look into it.
Posted on 7/31/15 at 1:19 pm to jp90
I just refinanced my car with Lightstream (part of Suntrust) got a 1.99% for 36 months. Shaved 2 months off of my old loan and only increased my payments $11 a month.
Posted on 7/31/15 at 1:23 pm to jp90
Based on what you owe, if you cut your rate in 1/2 you will only save about $700 over the 54 months or about $12/mo savings.
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