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Reply to "Refinancing car loan?"
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[quote=Anonymous]What are the basics? I have exactly two years left on my car loan. Its $330/month and my budget is so tight right now- that $300+ is killing me. My interest rate is 6% which I thought was awesome at the time (3 years ago), but now I cringe at the thought. The loan is through TD Bank Auto loans. My primary concern is that I want to get a lower interest rate. I know if I make my payments lower, it'll just stretch out the length of the car loan (clearly)- so I don't necessarily want that, but because my money is so tight right now I'm wondering if it's something I should explore. Has anyone been in a similar situation? Would I do this through the same lender? Or approach other banks/lenders? Is stretching the payments out even an option?[/quote]
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