vehicle refinancing tips?

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Jun 10, 2008 | 11:00 PM

#11

ap2002

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From: Houston, Texas

definately go to a credit union, I have always used them, they have way better interest rates than any bank for sure... the ones I get my loans from is United Community Credit Union, look it up, they have about 3 places in town, they are very helpful there. when i financed my truck I had it at 3.9%....

Jun 11, 2008 | 02:54 AM

#12

usabodyguard

Blown 427 LSX

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From: California

i can tell you my credit is not perfect... i had my original truck at 13%... i just refi'ed it at 6.45% with less than a 700 credit score...

DCU credit union... these people rock! digital credit union

it only costed me $20 to become a member... $15 fee to join an affiliation, and $5 to open the account. I just got my new dd financed there and theyr refi'ed my truck... plus they gave me a $2500 visa card...

i had a 10 out of 10 experience with them, totally satisfied... if your credit score is above 670, you will have at least a 6.xx% rate, if not better.

Last edited by usabodyguard; Jun 11, 2008 at 02:59 AM.

Jun 11, 2008 | 04:08 AM

#13

Thread Starter

13 Second Truck Club

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From: HTX

I'll have to check them out thanks! I'm actually with a credit union through my work lol, that's why I am a little hesitant because it seems as though I would get the best deal through them. But I guess it couldn't hurt to ask, my credit score is above 670 so that's encouraging. Thanks again for the replies!

Jun 11, 2008 | 02:17 PM

#14

1slow01Z71

Tin Foil Hat Wearin' Fool

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From: Austin, TX

My credit score is ~700 and I got my truck financed for 60 months at 7% through a credit company you are about my age and my credit score is decent so I would expect you to get something close to that.

Jun 13, 2008 | 05:15 AM

#15

viciousknid

Where's the Beef?

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From: Dover, Oklahoma

Quote:

Originally Posted by KB

Thanks for the tips guys, my credit score is probably average right now...I've been doing my own credit repair for over a year and it's gotten much better. But anyway, it counts against your credit each time you try refinancing because they check your credit score correct?

What do you use to repair your credit. I've been thinking about getting involved in a program that would let me do that and keep tabs on my credit.