If you have worked hard to build your credit and would like to re-finance a bad car loan, do not go with these guys. They do not want people that have become responsible with their credit and can make payments on time.
I applied for a refinance on my car with a balance of $7K. I can easily afford the repyaing at 4% in no time but the delined me. I asked why and they said that it is because of slow payment on my current loan. I explained to the loan officer that there is NO slow payments because my loan is within its terms and I am scheduled to pay it off early. He said that’s all the credit analysts told him.
I repeat, do not refinance with this company if you have a year or less left on your existing loan. You are not the type of client that they want, the want people who will take forever to payoff their loan.
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