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How soon can I refinance?

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Just financed new vehicle through GM Financial. Checked contract from purchase and it said MAY have pre payment penalty . Just hit my Experian as new account. How long do I have to wait to refinance?

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That the standard language on that contract. It is a generic contract that most all banks will accept. They could write in there that you May experience a natural disasters during the term. Doesn't mean you will though.

The only reason in my estimation one should refinance is if they could substantially lower the APR.

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