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Question by Justcurious: Can i refinance and auto loan after 6 months for a better apr?
I got approved for a used car with a very high APR of 21%. I am thinking about taking the loan b/c my credit isnt the best but using it to help build my credit and then refinancing it. How soon after can i refinance my loan and will i get a much better apr on the car?
Best answer:
Answer by John P
There again it depends on how good your credit is at that time, most likely not very good as it takes years to repair damaged credit. 21% is way to high because when you add in the cost of collusion insurance you will be way over you head. The finance company will want the extra insurance, just make sure you get all the figures before you make any decision.
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