Refi the ep?

[kingphoenix07]

Well guys, the current payment amount on the ole Ep is finally killin me. Which brought me to the paper work from the dealer...HOLY SHNIKIES!:meek: 18.45%...how did I ever agree to that? 7k extra! So i have decided to refinance. I was just curious if that any of you have done so, what company? R U satisfied w/ them? What's your rate?

[66elwood99]

Can you join a local credit union? Check with local banks and see what kind of rate they are offering. 18% :meek: You should find something under 10 no problem.......... G/L

[justifiedSi]

Check out Wachovia Dealer Services they had pretty good rates for me a few years ago.

[hoesnaps]

I had financed through Bank of America. They gave me a 7.9% finance rate. Maybe you should look into them?

[20CiviC02Si]

I went through educators credit union at 7.9%. Credit Unions are the way to go for the best APR.

[shadowmd]

damn!!! i got 2.9% when i got mine in march of 2005

[makavelibranded]

mines over 20 percent, i couldint get it in my name only my moms and she JUST got of a bankruptcy

im in the process of getting it refinanced through wachovia as long as they accept me:mangel:

[civsirmt]

I went through educators credit union at 7.9%. Credit Unions are the way to go for the best APR.

yep

[underOATH]

im at 6.2% for 72months through wells fargo!

[clutch797]

I got 0%.... wait, I paid cash.

[Siborg18]

I'm at 10.5% for 49 months(first time buyer... at least that is what they told me the reason was at carmax before they F'd me with the financing and bs warranty I haven't needed until it was too late). I am finished paying about a year and a halfs worth. I got two and a half more years until the car that I own is definitately mine and not worth shhyt. I wish I would have just bought an integra body and dropped a K20A2 in it.:doh::doh::doh:

[frm_808]

also depends on your credit doesnt it. i too wanna finance my car. any flaws?

[BlownSi05]

holy shit man?! i got 8.1%@60 Months with somewhat shitty credit on a brand new 2005 when i bought mine. someone took serious advantage of you man. not trying to get you all stirred up but i would seriously look into having someone's ass for that. there are credit cards with lower rates:meek:

[FoReVaPmP]

Well guys, the current payment amount on the ole Ep is finally killin me. Which brought me to the paper work from the dealer...HOLY SHNIKIES!:meek: 18.45%...how did I ever agree to that? 7k extra! So i have decided to refinance. I was just curious if that any of you have done so, what company? R U satisfied w/ them? What's your rate?

:meek: Holly HEll!!!......


Credit Unions are the way to go. 18.45% is waaaaay too much for a car...

[skooba]

www.penfed.org

its military, but anyone can join. just go to the how do i join tab, and its like step #6. you make a one time donation of $20, and you get membership to one of the best credit unions available to the public.

[dann_04]

I went through amcore bank originally and got 6.99%, then i recently refinanced through a local credit union advertising atleast 1% off any rate so now I'm at 5.99% :mwink: But definately 18% is way too high. Refinance with a goal of around 7.5-8 % depending on credit and then you could put some of that extra money to other bills or try to pay off your car early. I have very good credit by the way and tried at my normal bank to refinance and they said minimum for my 03 was 8.5% so definately try a credit union. Also, refinancing dropped my payment 25 bucks so you could probably drop yours alot!

[56chevydan]

Like everyone is saying here look around locally for a credit union and join. Once you're a member, the credit union will offer much better rates to their members than banks do.
Joining a local credit union is also much more convenient and allows you to drop by their office when you need something instead of making a call and trying to sort things out over the phone etc.

[kingphoenix07]

Check out Wachovia Dealer Services they had pretty good rates for me a few years ago.Yea they were one of the 1st i looked at...still shopping tho.


I went through educators credit union at 7.9%. Credit Unions are the way to go for the best APR.
Credit Unions give me the creeps...idk why, they just do.:mfrown:...the couple i have looked in to/been part of both sucked ass.



mines over 20 percent, i couldint get it in my name only my moms and she JUST got of a bankruptcy

im in the process of getting it refinanced through wachovia as long as they accept me:mangel:well at least someone got raped more violently than me.



damn!!! i got 2.9% when i got mine in march of 2005BASTARD!

I got 0%.... wait, I paid cash.
...BIGGER BASTARD!:mbiggrin:

www.penfed.org

its military, but anyone can join. just go to the how do i join tab, and its like step #6. you make a one time donation of $20, and you get membership to one of the best credit unions available to the public.I'll have to check this out.


I went through amcore bank originally and got 6.99%, then i recently refinanced through a local credit union advertising atleast 1% off any rate so now I'm at 5.99% :mwink: But definately 18% is way too high. Refinance with a goal of around 7.5-8 % depending on credit and then you could put some of that extra money to other bills or try to pay off your car early. I have very good credit by the way and tried at my normal bank to refinance and they said minimum for my 03 was 8.5% so definately try a credit union. Also, refinancing dropped my payment 25 bucks so you could probably drop yours alot!
I hope to lower the payment at least 35-50 dollars....I am tryin to adjust my monthly budget. I just switched to Esurance and saved $80/mnth on Insurance....and they included my mods.:rock:

[Sir1982]

I got 0.9% when i got mine in December of 2002 + 1000$ on the price of the car, good thing i knew the DG of Honda Gatineau

[civictype_r04]

Alway read before you sign ANYTHING your lucky it wasn't any higher.

[kingphoenix07]

Alway read before you sign ANYTHING your lucky it wasn't any higher.

Ahhh i probably would have done it anyways and refinanced...only sooner.
Needed the credit and really wanted the car. Only one 4 sale at the time in a 230 mile radius.

[T_Virus]

i don't understand much about refinance...if your monthly payments are somewhat smaller, don't you still pay longer?

[WhiteComet]

i got mine for 0% on a 3 year back in 05.

If you buy new, it should be pretty easy to get 0% still if you look around..

If you buy used it's alot harder.

[makavelibranded]

i got denied


capitol one credit card was obviously the cause from what i read, i had several times were they would accept the payment then reject it, then accept it causing a $50 reject fee, then a few times that put it over my limit and would give me another over limit fee:mrolleyes:


NEXT!!:mmad: