{ "media_type": "text", "post_content": "any recommendation on where can I get car loan refinanced...i am already with greater texas federal credit union. I was fresh out of college and got scammed/(rash decision) into 3.4 APR by dealer. ", "post_id": "5a0799693e84130017d21d71", "reply_count": 11, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

any recommendation on where can I get car loan refinanced...i am already with greater texas federal credit union. I was fresh out of college and got scammed/(rash decision) into 3.4 APR by dealer.

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Try local credit unions they can provide you rates from 1.99APR

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If you really were fresh out of college, 3.4% wasn't bad at all. Thin credit file is a risk, and that percent is completely fair. (Former consumer lender)

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3.4pc apr on a used car for someone with little credit history isn’t bad at all. You can go as low as 1.99 or save yourself the trouble and pay it off sooner.

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I think the big banks (BOA, chase, etc) do refinancing. I’m currently have 2.64pct at BOA

3.4% APR isn't bad on used. My first car was on like a 7% APR

3.4 isn't that bad

I bought a new car ..not a used one.. it's been 1 year since my college...so I have made good credit history by now ..hence was looking for lower APR like 1.99

No one has any incentive to give you a rate below market on a car other than the dealer who is doing it to increase their sales numbers. 3.4 is right around the market rate. You're probably not going to find something like 1.99, IMO.

12 months of payments isn't "good credit history." Not being a jerk, just managing expectations.

Try lightstream, but only if you've got really good credit.

Credit unions are great for this. I opened an acct with Pentagon Federal for that very reason several years back.

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