Would prior business relationship help for refi?

[PoorGirl]

I want to refi my auto loan in 6 mo or less, so I'm trying to choose a bank/CU and develop a prior relationship now.

 

If I have a small business account somewhere, would they consider that prior relationship when I apply for the individual/personal refi? This would be a business with an EIN, not a sole-prop. It would be a savings account, checking account, or credit card or maybe two of the above.

 

I would rather not get another personal account, but I want to make sure this "counts".

Edited October 23, 2020 by PoorGirl

[hegemony]

I curious why you think you need to have help (prior relationship) to have a better chance to refi? I would think having a banking relationship would help but IME the longer the history the more it will help; 6 months of history may not make much difference.

 

 

[MarvBear]

I'm confused.   Are you asking about a refinance in your personal name or a new finance in your corporate name?