How do I refinance my car loan?

Shouldn%26#039;t a credit score of 626 and a DTI ratio of .19 recieve a better interest rate for an car loan of 14,700 for 60 months than 11.9%? I%26#039;ve had my credit pulled so many times trying to get this car im afraid of where it%26#039;s at now. I wan%26#039;t to refi this car. I got my first car with NO credit at 14% a year ago. What do you think? Any finance people out there? My gf%26#039;s dad is in a mortgage firm but he%26#039;s very biased and I don%26#039;t like asking him a lot of things about this. He says i should have gotten a used car. But that%26#039;s beside the point. What steps can i take to refi my loan and what rate do you think I can be at? Thank everyone beforehand

How do I refinance my car loan?

Car finance is what I do for a living and 11.9% for a 626 score is actually a pretty good rate.

A website I%26#039;ve recommended in the past would be...

http://www.safelinked.info/go.php?link=a...

All the best to you.

How do I refinance my car loan?

Just get a second job and pay the note off as fast as you can. there is no sense in refinancing, because you will just be paying interest on the interest.

You can make your regular payments and pay extra %26quot;principal%26quot; payment at the same time. You just need to check to make sure that there is not a prepayment penalty clause in your contract.

How do I refinance my car loan?

A score of 626 is still considered sub-prime by most lenders -- anything under about 680 or 700. You should check the balance of your loan with your bank and then chcek www.kbb.com to find out the value of your car. If you owe more than the car is worth, you may have problems getting a new loan regardless of your credit score.