I'm new here, I usually swim int he credit forum. I wanted to take out a loan to pay off my little car (it's only 4600. I was looking at e-loan and their min is 5,000.

I was wondering if I could take out 5,000, send it over to my current financing Co (which charges me 21 APR) and .. woudl they send me back the difference?

Are there any other places similar to E-loan that I could try?

My EQ fico is 610, so I figured I'd try.

I suppose you could. E loan will probably shop your application also.

Just an update - got denied with Eloan. They need a longer successful credit history, apparently, mine is only 6 months. I didn't click the "other lenders option", didnt' want mult inquiries..

Boo, Hiss... I guess I'll wait a couple months.