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Are your monthly car payments more than you bargained for? Or maybe you want to take advantage of a lower interest rate? You do the following to refinance your auto loan, especially if you go with one of the dealers at the Beach Boulevard Of Cars in Huntington Beach in Orange County.
You want to wait at least six months after you received your current auto loan before applying for a new one because it takes about three months for ownership to be transferred to your new lender and six months to recover any credit score hit that you took when you applied for the new loan. However, you don’t want to wait until you only have two years left on your loan because you will have already paid the bulk of your interest toward the beginning of the installment plan, so you won’t be saving much money.
Review your current auto loan so you’ll have a baseline to use when looking for refinancing. Look for the following information.
If you want to get the best deal when you refinance your auto loan, you want to be sure that your credit is in top shape because lenders will look at your credit score to determine how you qualify for a new interest rate and payment plan. You can often get your credit report and score free from your current lender or credit card company. Otherwise, you can sign up at CreditKarma.com to get your credit information.
Go through your report and correct any errors you find by contacting the reporting merchant, who is obligated to fix problems. You can then take steps to improve your credit rating by lowering your debt and paying any financial obligations on time.
You’ll need some information when you apply for refinancing, so gather the following, and you can save some time.
The only way you’ll know that you are getting the best deal is by comparing rates and terms from different lenders. Approach companies that can prequalify you with a soft credit check that doesn’t affect your current credit score. You’ll then know in advance whether refinancing will actually save you money.
Don’t forget to check out the car dealers at the Beach Boulevard of Cars because they all have finance departments that may surprise you with the terms they can offer. Their websites will encourage you to get prequalified by filling in a convenient online form. You’ll then have an idea in advance of what your new auto loan may be like.
We will make our best efforts that posted prices are always accurate however, we are not responsible for any typographical or other errors that may appear on the site. If the posted price for a vehicle or service is incorrect due to a typographical or other error, such as data transmission, etc., this Dealership or Pixel Motion, Inc. are only responsible for the correct price, which will be provided as soon as we are made aware of such error(s). Ultimately, it is your responsibility to ensure that the information is 100% accurate with the Dealer.
Posted vehicle images and descriptions on our website is representative to what is provided by our suppliers. Please note that the actual vehicle may slightly differ from its specifications and/or images. The Dealership is not responsible for any typographical, pricing, product specifications, advertising or shipping errors. Advertised prices and availability are subject to change without notice.
In the event a vehicle is posted at an incorrect price due to these errors, or if an error in pricing was received from our suppliers, the Dealership reserves the right to refuse and/or cancel these orders.
While great effort is made to ensure the accuracy of the information on this site, errors can occur. Please verify all pricing information with a customer service representative. This is easily done by calling us or visiting us at the dealership.
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