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Part of. Getting an Auto Loan. Auto Loans for Special Situations. Where to Find Auto Loans. Table of Contents Expand. Table of Contents. Reduce Your Interest Rate. Lower Your Monthly Payment. Improve Your Cash Flow.
Understand the Costs of Refinancing. The Bottom Line. Get educated on your existing loan to understand how your monthly payment breaks down. Find out how much goes toward interest versus the actual car payment. It is also good to get a sense of how much of the total loan payments are interest payments.
Our survey found that many car buyers are not researching the best way to finance their vehicle. Better credit scores can equal a lower rate and either a reduced monthly payment or faster paydown of your debt. Now is the time to shop around for a better deal. The first step to finding the best refi deal is to see if you qualify for better deals through banks, credit unions and online lenders and compare those offers. Lenders will review your credit reports and credit score to help determine if you qualify for a loan and what your APR would be.
Other situations where auto refinancing might not be ideal are if you are close to paying your loan off completely. But if you think refinancing might be a good option for your situation, multiple trackers are available online to give you a sense of how much you could save a month.
So do your research.
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