I have no credit, I’m looking to finance with a big interest rate. Maybe 15-20% for 2-3 months. Once those 2-3 months are up I will refinance and will be having a co-signer sign on the loan with me with good credit, bringing the interest down to 7-8%~

I know some of you think this is unwise but I ordered a car and it turns out my co-signer might not be able to sign with me until 2-3 months after the car arrives, and I don’t think the dealership will hold it that long.

So how soon can I refinance a loan?
I’m going to get the longest term loan (72 mo) I can get initially so my first 4 months of payment are cheap. Then when it comes time to refinance with my co-signer, I should have 7-8%~ and I’ll chop the term down to 60 or 48 months.

I’ve got a mortgage that is in a repayment status under a forebearance plan, but they want to modify the loan and put what I currently owe on the back of the loan. I want to know if another mortgage company will refinance me with the loan currently being behind (although payments have been made as agreed through the plan).

Thanks for your help!!!

Stressed in GA…

My friend is getting divorce and she has a car loan with her ex as primary. She is looking into getting a loan but the credit union with which she has the loan denied her since she has not enough credit. She has applied though US bank and got denied as well. what other place is good for obtaining refinancing loan for this situation

I had to file bankruptcy 08/2005 after my divorce so my credit is poor. But I am needing to refinance my loan? I am single mother who is trying to find ways to cut payments? Anybody please help????

I was not very smart about 2 1/2 years ago and financed with HFC and was not able to include in the loan my taxes and home owner insurance. Now it is killing me to pay my taxes every month. Does anyone have any suggestions as to how to get out of the mess I put myself into? Thanks

The house is only 10k. So if I pay 10k cash, how fast can I do a home equity loan for that 10k? I need to make repairs as it is a foreclosure in poor condition. Can I do a refinance loan and get more than I even paid for it if it appraises higher than 10k, which it will? Thanks for any help

I currently have an auto loan with Bank of America. I am paying 9.7% APR. I’m considering refinancing just to get my interest rate lower.

In fall 05, I started it w/ a loan balance of ~$27K. In 1.5yrs, I’ve paid down the loan to a little under $15K. Currently the car has a trade-in value of ~$19,500 and a retail resale value of ~$23K(I looked this up on Kelly Blue Book’s website). So I know that I’m not upside-down on my loan.

Do I have a good chance of refinancing? My credit is solid, but the only thing that I’m afraid might hinder me is the credit card balances that I currently have(although I’ve been paying them on time).

More importantly–Is there a chance Bank of America might be able to refinance my car loan for a lower rate? If they do this, is it possible for the loan acct.# to stay the same?(since it’s within the same bank) Do banks sometimes refinance car loans that they already manage? And if I tried to refi with Bank of America, would it create a hard inquiry?
I asked about it at my credit union and I’d say it’s a no-no. The credit union said they only determine int. rates based on what tier my credit score falls in, so my good loan-to-value ratio, length of loan, etc won’t help me. They also said that I’d only qualify for a “used car” loan, and the rates are higher for those. But I will definitely try Bank of America…except I called 2X today and got disconnected each time after waiting a while. >:( Anyone have any specific car loan experience dealing with Bank of America?

Im interested in refinancing my home . I am a single mother so just one income, I am a hairstylist and also self employed. I just pay rent and run a one man salon. I purchased my first home in July in Texas. I had a hard time getting the loan because well first of all I dealt with a broker who completely messed up my loan. I went into the process with the idea that if icouldn’t purchase a home under the conditions I wanted then it wasn’t the right time for me. Well day of closing, he needed five thousand more down and i also had the pmi i didn’t want. Anyways, he said that at the last minute he had to go with stated income loan because the lender doesn’t go by what you claim on income tax. it goes by what you claim after deductions. Well, i would like to refinance to get a lower rate and get rid of pmi. My appraisal was 142,000.00 and I financed $119,000.00 and have since made several improvments. I am just wondering if i can even get refinanced or is it going to be this hard again?
I have a 30 yr fixed

I Would like to refinance my student loan and maybe consolidate it.
What are my best options and the best banks. By the way i have a personal loan .
Does anyone know?

I’ve got a car loan that was kept through my bankruptcy and I’ve been paying on for approx two years since now and just realized they reported it as part of my bankruptcy and they will not change(included is said because it was written about in the papers even though it was reaffirmed). I’m trying to now fix my credit up some and would like to know if it will help or even effect at all my credit to refinance it now?