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Refinancing after 4 months

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I bought a 2019 Kia Forte about 4 months ago, and I know for a fact I can refinance at any time (I did this with my Elantra last time).


My current rate on a 5 year loan 3.9%, and I am paying 273 per month.  For some reason my bank of america is telling me my FICO score is 775 (it was 680 according to BOA when I bought the car not sure how it jumped so much in 4 months??).


I feel like I could probably get a lower rate, would you refinance?  Last time I refinanced I went with Pen Fed (it was recommended to be by this forum).  Do they still offer some of the best rates?  Anyone else I should look at?


Thanks for any help

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1) auto-enhanced scores are a different model than the one shown on credit card websites.


2) As noted, the rate is not outrageous.  It certainly is not enough to justify trying to refi since a bank is not apt to give you a 0% rate and even a 2.9% is not worth changing.  Just shovel more at it, especially with the pittance that they are asking for each month right now. 


3) At $273 a month, this would tend to suggest you owe about $16K right now.  If you just pay a grand a month, that puppy is gone before the end of 2020.  Just make sure that the excess each month is properly applied to principal.  I know, for example, that my Jaguar account has a specific drop-down box for principal-only amounts. 

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