Bad Credit Auto Refinance » car loan http://bad-credit-auto-refinance.com Bad Credit Car/Auto Loans | Car Loans for College Students | Auto Refinance For Bad Credit Tue, 24 Apr 2012 14:40:02 +0000 en hourly 1 Is it possible to refinance a car loan with one’s current auto loan bank or institution? http://bad-credit-auto-refinance.com/is-it-possible-to-refinance-a-car-loan-with-ones-current-auto-loan-bank-or-institution http://bad-credit-auto-refinance.com/is-it-possible-to-refinance-a-car-loan-with-ones-current-auto-loan-bank-or-institution#comments Wed, 01 Apr 2009 01:49:32 +0000 admin http://bad-credit-auto-refinance.com/is-it-possible-to-refinance-a-car-loan-with-ones-current-auto-loan-bank-or-institution lightning_strikes asked: I currently have an auto loan with Bank of America. I am paying 9.7% APR. I’m considering refinancing just to get my interest rate lower. In fall 05, I started it w/ a loan balance of ~$27K. In 1.5yrs, I’ve paid down the loan to a little under $15K. Currently the car has [...]

Is it possible to refinance a car loan with one’s current auto loan bank or institution? is a post from: Bad Credit Auto Refinance

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]]> car refinance10 Is it possible to refinance a car loan with ones current auto loan bank or institution?
lightning_strikes asked:

I currently have an auto loan with Bank of America. I am paying 9.7% APR. I’m considering refinancing just to get my interest rate lower.

In fall 05, I started it w/ a loan balance of ~$27K. In 1.5yrs, I’ve paid down the loan to a little under $15K. Currently the car has a trade-in value of ~$19,500 and a retail resale value of ~$23K(I looked this up on Kelly Blue Book’s website). So I know that I’m not upside-down on my loan.

Do I have a good chance of refinancing? My credit is solid, but the only thing that I’m afraid might hinder me is the credit card balances that I currently have(although I’ve been paying them on time).

More importantly–Is there a chance Bank of America might be able to refinance my car loan for a lower rate? If they do this, is it possible for the loan acct.# to stay the same?(since it’s within the same bank) Do banks sometimes refinance car loans that they already manage? And if I tried to refi with Bank of America, would it create a hard inquiry?
I asked about it at my credit union and I’d say it’s a no-no. The credit union said they only determine int. rates based on what tier my credit score falls in, so my good loan-to-value ratio, length of loan, etc won’t help me. They also said that I’d only qualify for a “used car” loan, and the rates are higher for those. But I will definitely try Bank of America…except I called 2X today and got disconnected each time after waiting a while. >:( Anyone have any specific car loan experience dealing with Bank of America?

freedom from debt!

Is it possible to refinance a car loan with one’s current auto loan bank or institution? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/is-it-possible-to-refinance-a-car-loan-with-ones-current-auto-loan-bank-or-institution/feed/ 2 Car Refinance? http://bad-credit-auto-refinance.com/car-refinance http://bad-credit-auto-refinance.com/car-refinance#comments Tue, 31 Mar 2009 04:14:27 +0000 admin http://bad-credit-auto-refinance.com/car-refinance Gracie asked: I applied and approved for a car refinance loan with Wells Fargo. My question is, I owe $26,000 for my car but the blue book value is only $17,500. Will I have to pay the difference between what I owe and what the car if valued at? I can’t call Wells Fargo’s customer [...]

Car Refinance? is a post from: Bad Credit Auto Refinance

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]]> car refinance Car Refinance?
Gracie asked:

I applied and approved for a car refinance loan with Wells Fargo. My question is, I owe $26,000 for my car but the blue book value is only $17,500. Will I have to pay the difference between what I owe and what the car if valued at? I can’t call Wells Fargo’s customer service because their offices are closed.

freedom from debt!

Car Refinance? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/car-refinance/feed/ 3 How high are interest rates on a car loan on bad credit? http://bad-credit-auto-refinance.com/how-high-are-interest-rates-on-a-car-loan-on-bad-credit http://bad-credit-auto-refinance.com/how-high-are-interest-rates-on-a-car-loan-on-bad-credit#comments Fri, 20 Mar 2009 05:30:15 +0000 admin http://bad-credit-auto-refinance.com/how-high-are-interest-rates-on-a-car-loan-on-bad-credit lei514 asked: I just want to get a general idea from people who have or who have known someone else who have gotten a car loan on bad credit and how high the interest rate is. Let’s say the applicant has a well-paying job but only for the past few months (say, 90k/yr). Looking at [...]

How high are interest rates on a car loan on bad credit? is a post from: Bad Credit Auto Refinance

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]]> bad credit car loan8 How high are interest rates on a car loan on bad credit?
lei514 asked:

I just want to get a general idea from people who have or who have known someone else who have gotten a car loan on bad credit and how high the interest rate is.

Let’s say the applicant has a well-paying job but only for the past few months (say, 90k/yr). Looking at a new car 20-30k, on a 5 year payments plan. Down payment is 10%-20%.

What interest rates would you expect for mid-500′s credit score?

For 500?

For high 400′s?

Even lower? (is that possible?)
So car loan companies look at a lot more than just the credit score, right?

As in, a 550 credit score (due to no credit history) is much better than a 550 score that’s due to collections and late payments.

Don’t file Bankrupcy

How high are interest rates on a car loan on bad credit? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/how-high-are-interest-rates-on-a-car-loan-on-bad-credit/feed/ 5 Best place to refinance car loan? http://bad-credit-auto-refinance.com/best-place-to-refinance-car-loan http://bad-credit-auto-refinance.com/best-place-to-refinance-car-loan#comments Sun, 15 Feb 2009 09:05:52 +0000 admin http://bad-credit-auto-refinance.com/best-place-to-refinance-car-loan Riley B asked: I want to refinance my car loan. Who is the best lender, online or regular? Discount Boutique Best place to refinance car loan? is a post from: Bad Credit Auto Refinance Posts Related to Best place to refinance car loan? How long would one wait to refinance a car loan?Jason L asked: [...]

Best place to refinance car loan? is a post from: Bad Credit Auto Refinance

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]]> car refinance22 Best place to refinance car loan?
Riley B asked:

I want to refinance my car loan. Who is the best lender, online or regular?

Discount Boutique

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]]> http://bad-credit-auto-refinance.com/best-place-to-refinance-car-loan/feed/ 0 On Getting A Cheaper Auto Refinancing Loans Tips http://bad-credit-auto-refinance.com/on-getting-a-cheaper-auto-refinancing-loans-tips http://bad-credit-auto-refinance.com/on-getting-a-cheaper-auto-refinancing-loans-tips#comments Sat, 01 Nov 2008 13:43:06 +0000 admin http://bad-credit-auto-refinance.com/on-getting-a-cheaper-auto-refinancing-loans-tips It is the current world’s economic situation that is practically forcing car owners to think about a refinancing loan over their vehicles, car refinance loans seems to be a quiet good alternative for those struggling with their monthly finance, the idea behind is getting some cash flow for spending on other familiar items. If you [...]

On Getting A Cheaper Auto Refinancing Loans Tips is a post from: Bad Credit Auto Refinance

Original Post is located here: On Getting A Cheaper Auto Refinancing Loans Tips

]]> It is the current world’s economic situation that is practically forcing car owners to think about a refinancing loan over their vehicles, car refinance loans seems to be a quiet good alternative for those struggling with their monthly finance, the idea behind is getting some cash flow for spending on other familiar items. If you are interested in knowing how to get the best auto refinance loan, have a look to the hopefully useful tips mentioned in this article.

Firstly, You should be applying with direct auto refinance loan lenders, It is by going with direct companies that you get cheaper interest rates, plus you deal with a certificated and legitimate lender, these companies due their direct status are able to offer lower interest rates because there are not commissions involved.

Secondly, if you have less than perfect credit you can still find auto loan approvals regardless of your credit report and credit rating. However, you pay higher interest rates and then, it is advisable if you have the chance, to improve your credit score before you apply for an auto refinance loan, once you get your score improved, you can negotiate a better deal with a lower interest rate.

Thirdly, take some time reading terms and conditions, remember that within this document are stipulated associated costs, late fees for example, knowing all the costs is very important, it is not all about the lowest interest rate, if you finally get the most expensive loan because of these items. It is boring, but it is worth a reading.

Fourthly, and not for saving money but for peace of mind, check lending company at the Better Business Bureau.

Finally yet importantly, by researching and then comparing different auto loan companies, borrowers are able to select the agency that meet your financial situation properly, plus the cheapest interest rate the auto loan market is offering. Nonetheless, it is recommendable working with a trusted and reliable direct car loan lender, this way you save time because of an online application and cash by getting the lowest interest rates.

Hector Milla is editor of the Top Ranked Direct Auto Loan Lender weblog, by visiting you can see his best rated car loan direct lender suggesting – considering auto refinancing loans – and, the Poor Credit Car Loans centre.

Find Direct Auto Refinance Loan Lenders reviewed and Bad Credit Car Loan advise. Your visit is welcome.

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On Getting A Cheaper Auto Refinancing Loans Tips is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/on-getting-a-cheaper-auto-refinancing-loans-tips/feed/ 1 Auto Refinance Loans – Tips For Getting The Cheapest One http://bad-credit-auto-refinance.com/auto-refinance-loans-%e2%80%93-tips-for-getting-the-cheapest-one http://bad-credit-auto-refinance.com/auto-refinance-loans-%e2%80%93-tips-for-getting-the-cheapest-one#comments Thu, 30 Oct 2008 21:53:03 +0000 admin http://bad-credit-auto-refinance.com/auto-refinance-loans-%e2%80%93-tips-for-getting-the-cheapest-one Current economic situation is forcing several car borrowers start thinking about refinancing their vehicles, auto refinance loans seems to be a good alternative for those cash shortage you live month to month, after all, the main idea is getting some cash flow for spending on other items. If you are interested on getting the best [...]

Auto Refinance Loans – Tips For Getting The Cheapest One is a post from: Bad Credit Auto Refinance

Original Post is located here: Auto Refinance Loans – Tips For Getting The Cheapest One

]]> Current economic situation is forcing several car borrowers start thinking about refinancing their vehicles, auto refinance loans seems to be a good alternative for those cash shortage you live month to month, after all, the main idea is getting some cash flow for spending on other items. If you are interested on getting the best auto refinancing loan possible, then keep reading the hopefully useful tips listed below.

Applying With Direct Auto Refinance Loan Lenders

It is by going with direct auto loan lenders that you will get the cheapest interest rate available in cars market, plus you will be dealing with certificated and legitimate companies, these are the companies able to offer lower interest rates on your application.

Having Less Than Perfect Credit

While you can find auto loan approvals regardless of your credit score, you will be paying higher interest rate, if you have less than perfect credit, then it is advisable to improve your credit score through easy and fast techniques, every point you get your credit score improved, the less interest rate you can get.

Reviewing Terms And Conditions

Remember that within terms and conditions document are stipulated for example, late fees and other associated costs, so it does not make any sense getting a lower interest rate if at the end of the day, because of these items you will ending paying the higher associated costs on your auto refinance loan. It is boring but it is worth a reading.

Last, a checking of the lending company at the Better Business Bureau does not take lot of time and it is just for peace of mind.

Summing up, by researching and then comparing not one but many auto loan companies, borrowers will be able to select the agency that meet your specific financial situation, moreover, besides the cheapest interest rate the auto loan market is offering. Nonetheless, it is recommendable to work with a trusted and reputable direct car loan lender, this way you save time through an online application and money by obtaining the lowest interest rates.

H. Milla is editor of the Best Rated Direct Auto Loan Lenders weblog, visit and see his top ranked car loan direct lender suggesting – considering auto refinancing loans – and, the Bad Credit Car Loan resources center.

Find Direct Auto Refinance Loan Lenders reviewed and Poor Credit Car Loan advise. Further information by clicking the link you are interested on.

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Auto Refinance Loans – Tips For Getting The Cheapest One is a post from: Bad Credit Auto Refinance

Original Post is located here: Auto Refinance Loans – Tips For Getting The Cheapest One

]]> http://bad-credit-auto-refinance.com/auto-refinance-loans-%e2%80%93-tips-for-getting-the-cheapest-one/feed/ 0 Car Refinance Loan – Getting A Cheaper One http://bad-credit-auto-refinance.com/car-refinance-loan-%e2%80%93-getting-a-cheaper-one http://bad-credit-auto-refinance.com/car-refinance-loan-%e2%80%93-getting-a-cheaper-one#comments Wed, 29 Oct 2008 20:56:00 +0000 admin http://bad-credit-auto-refinance.com/car-refinance-loan-%e2%80%93-getting-a-cheaper-one These are difficult economic times and people nationwide search for alternatives in order to make manageable their monthly finance, and one option that arises as attractive is auto refinance loans, this way by getting a lower monthly payment over your car, that cash flow can be spend on other familiar items. Yet, question like how [...]

Car Refinance Loan – Getting A Cheaper One is a post from: Bad Credit Auto Refinance

Original Post is located here: Car Refinance Loan – Getting A Cheaper One

]]> These are difficult economic times and people nationwide search for alternatives in order to make manageable their monthly finance, and one option that arises as attractive is auto refinance loans, this way by getting a lower monthly payment over your car, that cash flow can be spend on other familiar items. Yet, question like how to obtain the best auto refinance loan? remains, let see some tips that surely will help you making the right decision;

Firstly, research and compare different auto refinance loan lenders, by using internet this task can be done fast and it is time saving, look for direct auto loan lenders, because you will get lower interest rates with direct providers, plus money on commissions will be saved.

Secondly, if you got your car but at that time your credit score was not as good as today, then refinance your loan is recommendable, you will lower the interest rate on your loan, but the tip is, if you have less than perfect credit try to improve your credit score with some easy to apply techniques and then apply for an auto refinance loan, you will be surprised with saving on interest rates.

Thirdly, do your diligence and check the auto refinance loan lender you will be applying for, you can do it through the Better Business Bureau for example, working with a legitimate company is priceless, remember that these kind of loan go up to 36-60 months so it is in your best interest to deal with a reputable and reliable company.

In a nutshell, by researching and comparing different car loan providers, consumers will be able to identify the agency that meet your very specific financial situation, plus the cheaper interest rate the market is offering. Nonetheless, it is recommendable to work with a trusted and reliable direct auto loan lender, this is the way you will save time because of an online application and cash by obtaining lower interest rates.

Hector Milla runs the Best Ranked Direct Auto Loan Lender website, visit and see his best ranked car loan direct lender recommendation – considering car refinancing loans – and, the Bad Credit Car Loan centre.

Find Direct Auto Refinance Loan Lenders reviewed and Poor Credit Car Loan advise respectively. Further information by clicking the link you are interested on.

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Car Refinance Loan – Getting A Cheaper One is a post from: Bad Credit Auto Refinance

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