i recommend you call wells fargo asap. ask for refi. if you have good history
they will do if .....go online to the amortization table. play with the interest.
at your present 15% you could afford to refi and lose 12 or more months
from the term.....also, you may need to confirm if your overpaymt are
applying to the principle....not interests.....

 

well on the mothly bill I get it says amount due (I don't want to say but its half of the scheduled)
so it looks like I can makeone small payment if I want but then I'd return to full payments

 

11% and 15% damn i was sopissed when i got 7% that when jeep offered 0% i bought a g.c. and rolled the stang payments into that. what a savings and clean title on the stang.

 

you guys are paying 11% or 15% on a car loan???
[sm=jawdrop.gif]
how do you have money for [sm=icon_cheers.gif] or[sm=love.gif]???

 

I makea fair amount and my luck with thegirls isn't so good ugg any advice

 

instead of having my current lender extend back to 60 months i could do that with capitol one at a lower rate if i choose....i guess ill call them monday

 

Im at 13% as well. I have good credit but i was 19 when i bought my car and no one co-signed for me. I know it is a lot but i didnt expet to get a very good rate at my age either. Plus it is from Ford credit or whatever, im sure if i shopped a bit around i could have found better.

Anyway so i bought my car in December, think i should wait untill december to try and refinance? Never been late on a payment or anything, but i have not been paying extra either.

 

I hope everyone that reads this realizes how important it is to estabish & keep a good credit rating. I am paying 0% with ford credit & it is sweet.

 

+1 I got my loan at 3.9% rate with and I pay $297 a month for a car that had a sticker price of 23k. i put 6k down and financed the rest.

good credit makes a world of difference.

 

I'm paying 9% with Ford Credit and I thought that was way too high.

Who offers the best deal for refinancing?