Should I do cash out refinance on my home? So I got a letter in the mail today that I’m eligible to get 24k in cash or more but my new mortgage laon would be 179k with a 4.49-4.89% interest rate. I’m not sure if it would be wise to put the 24k back into the house (originally 155k loan with 6.75% interest with pmi). I have paid about 8k of the 155k loan currently. Is this a good choice or…

Car Refinance Question Currently have 49 months left in my loan. Current loan 12.57% paying $650 monthly. Was scrolling through Credit Karma and got on their refinance portion, got quoted 48 months, 6.69% interest paying $600. Is this offer worth taking? Currently on a roll paying off a bunch of credit card debt, and other debts I owe before I start the process of bu…

Vehicle Loan refinance Hello, my car got repoed couple days ago, the finance company is asking fro 24,000 for redemption or refinance the loan in another bank. I am currently unemployed because I leave for military training soon. I was wondering if there are banks or loan agencys that would lend me the money without proof of employment submitted by /u/Sea-Lab-5…

Trade In or Refinance My Car I’m currently considering trading in my 2022 Honda HRV (25000ish miles) for a used 2010s Prius C (100000+ miles). My current payment is $483 per month. I have a $24400 balance remaining and I’m at 8.84% interest. I bought the car earlier in 2024 when I was really desperate because my old car was dying and I am young and stupid and got too excite…

Refinance Car Question I want to refinance my car loan but my mom is telling me not to so I’m coming here to ask for some advice. My monthly payment is $628/month @ 12.72% with Santander. I know this APR is very high, I’m young and it’s my first ever loan, it’s the best offer I got, I’m still building my credit, etc. What’s done is done. I got this car in May, so I …

Should I refinance my car loan? Hello, I’m looking to refinance my car loan. I got this loan Nov 2021 it is at a 11% my current amount I owe is at 25,000 with a monthly payment of 649. As of this Nov I have 49 payments left aka 4 years. I’m looking to refinance my loan with credit union. I heard it was cheaper. They offered me: -4 years 625.07 monthly payment, 5.85% interest -…

Mortgage Refinance or HELOC? Ex wife and I separated four years ago. Divorce and custody litigation were a fortune. Spousal Support and Alimony payments are finally done. My attorney collected over $100k. I collected debt; an embarrassing amount of debt. 50K in high interest CC debt and a 100K HELOC. I bought my ex out of the marital home. I live in our daughter’s school di…

Can’t refinance personal loan In the US, with a 760 credit but I can’t find any lender to refinance a 30k unsecured loan at 17% – what gives? Is this the standard rate for unsecured personal loans these days? Thanks! submitted by /u/Sensitive-Hope3472

Should I refinance my house? I purchased my house last year in September. I have $213k left to payoff. Currently I have a 5/1 ARM at 7.78%. Is it worth it to refinance to a 30 year fixed now at let’s guess 6.625%? After the 5 years it could go up to a max 14%. My goal was to pay it off in the 5 years but I would rather use the money for other stuff if possible. Thanks! …

Is it Wise to Refinance My bank recently denied my application to refinance my loan with them despite having a 790 FICO score and a 5 year relationship. I’ve never missed a payment so I’m lost why they denied it. I got the idea to refinance because a different bank sent me a better offer. I thought it would be easier to just refinance with my bank. Is it smart to refin…

I want to refinance my car Heyy, I’m looking to refinance my car but I’m new to all this stuff and I don’t have anyone like my parents to help me. My dad prefers for me to make a bad decision first and then will tell me afterward that it’s bad, even if I ask for advice. I was never really taught about this stuff growing up. So here I am I was looking through auto pay, I’l…