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Additional Details
T... |
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charlie g | A question about my car loan? |
I purchased a car last year august with bad credit and now have a high intrest of 23%. how long should i wait to try and refinance. my credit is really not any better though |
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Beeracuda
 |
Unfortunately, you're in a bad situation. The finance company pretty much has you where they want you. You can TRY to contact them and get a better rate, but chances are not good that they'd be willing to do that. If you were trying to refinance a house, that'd be a different story. Remember, a car's value depreciates rather rapidly, unlike a house where it's value goes up. What you would be asking the finance company to do is to extend your payment plans for a longer period of time, while their collateral (the car itself) has less and less value. Not many are willing to do that, especially for someone with a bad credit rating.
Sorry to be the bearer of bad news. But hey, you should ask them anyway. I mean, all they can do is say no.
Good luck. |
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lisa s
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If your credit is not any better, there is no need to refi now....
Instead, why not check your car loan paperwork and see if there is a prepayment penalty clause. If there is not one, why not pay a bit more each month on the loan which will effectively lower the amount of money that you will pay in interest.
In the meantime, are you working on your credit...view a copy of your credit report and see what is keeping your score so low and possibly work to fix those things. |
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the brain
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Don't wait! It sounds like you got the loan with the car dealer. Bad deal. Check with your bank or credit union. They ought to have a better deal for you. |
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Shane
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Car loans are a dime a dozen, but which one should you go for? Especially if you are a prudent consumer with a balanced budget, getting the right auto finance can be quite a challenge, what with so many auto finance providers<!--thrusting their offers in your face. Your dealer may even offer to do it for you. While this sounds really tempting, it may prove to be a costly affair. So do your own thing and check out the auto loans yourself.
http://badcreditloans.awardspace.com/
You can get these loans from a variety of sources, like banks and financial institutions and online financing companies. Dedicated auto finance companies usually offer better terms if you approach them directly rather than-->through some middleman. You should also keep in mind that your credit rating affects the interest rates and the amount of advance you can easily get, so if the picture is not too good on that front, you can begin by working towards improving your credit rating. |
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nichole2403
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I would just give the finance company a call and see if you can get a better rate. but remember when you refinance you may have cheaper payments but you are like buying the car all over again which means making payments longer. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my home loan and auto loan.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl |
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JAH
 |
If your credit is still bad it may be difficult to find another bank that would refinance. Just try to pay as much as you can on it each month, pay it off quick to get out from under the loan (this will also help your credit rating). |
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disen87
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Wow...that's a huge amount of money. You'd do better with a 14% credit card if you could get one. If its more than you can afford, you should try to sell the car off and pay it off. You are going to wind up paying way more than the car is worth...you may already be way behind on value versus amount owed. Have you been working to improve your credit at all or are you still late on other payments, etc? If you can show that you've stabilized in the last year, maybe someone might refinance for you. If not, then you're stuck until you change your ways. |
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