My Credit Report Tips 2008
2010
Question regarding Auto loan refinancing?
I just bought a 2008 Saturn Outlook in October. I got dealer financing through GMAC at a rate of 8.5% for 5 years.
I just pulled my credit report today and saw that I have a fico of 801. that got me thinking that I should try for a better finance rate since I should qualify.
I am assuming that since I have left the dealership (my car now has 1800 miles on it) this would be considered an auto refinance instead of a “new car loan” or even “used car loan”. Anyone have any tips on where to shop for rates? I don’t plan on applying to more than one, since I don’t want the inquiries on my credit report.
Any tips would be appreciated. I owe $26,600.
thanks
Auto finance is what I do for a living and the dealer you went to really took advantage of you.
With a score like that you should have got anywhere from 4.99% to 5.99% tops.
Anyway with some banks it will still be considered a new car loan, I would try your own local bank or better a credit union.
Do not go to lendingtree, when people go there there applications are shot all over the world.
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