Any refinance company that looks at payment history?

[helpmeout]

I mean I been paying my car over the limit and I want to lower my interest rate+finish of my loan sooner but I want to do a 2-3 yr refinance loan because all I have left is 12.9k on my loan and I would be almost done. Is there any company that looks at my payment history of the same loan type?

[cv91915]

Your question suggests that you do not believe you will qualify for a decent rate unless you can find a fringe lender with alternate ways of assessing creditworthiness.  Why do you think that?

[MarvBear]

Payment history would be a part of any assessment.

[helpmeout]

On 7/6/2018 at 8:20 AM, cv91915 said:

Your question suggests that you do not believe you will qualify for a decent rate unless you can find a fringe lender with alternate ways of assessing creditworthiness.  Why do you think that?

I want a rate lower then 6.19. I know I can’t qualify for a lower rate then that because I have even tried sites like myautoloan

[cv91915]

19 minutes ago, helpmeout said:

I want a rate lower then 6.19. I know I can’t qualify for a lower rate then that because I have even tried sites like myautoloan

What are your FICO scores?

[cv91915]

Is your DTI high?

[MarvBear]

You could always defeat the interest being charged by paying extra towards principal each month.  Just be sure you do it in a manner that your lender will post properly to your account.

[hegemony]

is your current note simple interest?

[haydeno]

If you can get ltv lower that can help negate lower scores. Eg Penfed refi relative at advertised rate at 80%ltv with low 600 multiple u paid co recentish collection after declining a few days before for 90% ltv refi

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