Auto Refinancing with
Bad Credit

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Refinancing can be an excellent option for people who currently have an auto loan and are looking to lower their monthly payment, get a better interest rate, or change how long it will take to pay off the loan. This can be especially useful for people who have had credit issues in the past, and it provides an opportunity to get more favorable financing terms.

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Auto Refinance with Bad Credit

Many borrowers with bad credit want to know if they will be able to refinance their car loan. Unfortunately, not all credit-challenged consumers will be able to get approved for a refinance with better terms. It's hard to do unless you have taken the necessary steps and time to improve your credit rating.

However, it can be accomplished if you have made all of the payments on your original loan on time and in full for around 18 to 36 months. A steady track record will show the new lender that you are serious about successfully completing the loan, so borrowers that are far enough along in the process of reestablishing their credit can be approved.

Even if your credit is still a work in progress, it's still possible to qualify for a refinance. Even a modest interest rate drop can result in significant savings over the remainder of the loan, making the refinance worthwhile.

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