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  1. Hey guys :) I'm truly doing my best to help a friend who is victim to a 25.5% interest rate on their car loan! Currently the details are: Vehicle Value: Roughly 11.5k on NADA books Current Pay-Off: 15.5k DTI: Less than 10% Credit Score: 600 I'm having trouble locating a FCU or similar that will give a 120-130% LTV and also approve based on the credit score. The income is great of course. Any suggestions on which FCU will approve the refinance? We have the ability to pay off some of the currently owed on the vehicle to bring it into approval. Thanks so much! :)

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