Just Refinanced the Truck!

i wonder if it would be beneficial to me even though i have 3 years left to pay my payment is at 295.40 @9.8 % i just dont want my payment to go up and i dont want to refinance for anything longer than 3 years

 

You can apply for the refinance and then request the ammount of months you want.. but even if you take on an extra year.. you could probobly get a payment around $200 at a lower intrest rate and 48 months..

It never hurts to ask the bank..

 

7 PERCENT!

 

Holy shit.. what was it before and what is it now?

 

it was at 15.99, went down to 8.99. they offered to give me another 1% off if I did direct payments through their checking account but I didn't care to save the extra $9 per month by doing that..

I refi'd through the same bank that originally financed me. I shopped other banks....but everyone else turned me down

 

That is awesome.. dude how much are you saving a month.. hey that $9 a month ends up being $108 a year.. that could be beer money

 

I got 1.8% when got the tundra

 

saving about $133 a month. I got a high APR because I have some medical bills in collections from an accident I had a while back, i'm still trying to pay those off