Can a person with great credit and joint has horrible credit get a good car refinance APR rate ?
Here’s the thing I have a GMC Envoy I’ve been paying 400 monthly and its not even worth 15000 anymore so I want to refinance ASAP to lower payments and get over with but I have horrible credit (600) and my mother has great (800) would I still get a good APR rate ?
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Total Debt Relief said on January 27, 2009
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The only way that you could get a better rate is to convince your Mother to accept the liability and turn the car over to her. If your name is attached to it in any way, you are sure to be denied.
What Causes Bad Breath said on January 27, 2009
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Your credit ratings will merge (combine together to form an average).
Yes, you would get a better APR.
But also consider this. If you pay lets say 5,000 into that loan, you will be paying less interest in the long run, and your loan will be shorter. Why not ask your mother for a 5,000 personal loan instead, so you can pay it into the car loan?
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Todays Cure For Bad Breath said on January 28, 2009
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Auto finance is what I do for a living and yes you can if you go through a credit union, they use the highest score to establish the rate.
There is no such thing as merged credit scores.