i bought my car at the end of april 2008. i put down $7,000 and i owe $9000. my current interest rate 11.89%. my credit union’s auto refinancing rates are 3.99%-7.99%. since i’ve only had my car for 3 months, is it possible to refinance? my original loan is through bank of america.
i was not a member of this credit union when i bought my car…..in fact, i had never heard of this credit union until about a month ago. there is only 1 other credit union in my area, and their interest rates were almost the same as the interest rate i have.
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