Active · 9h
Looking for personal advice regarding an Auto Refinance post-bankruptcy (Chapter 7)
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Generally, this kind of thing (refinancing, worrying about small movements on your credit score) is not worth optimizing around. You're rearranging deck chairs on the Titanic. Your best case scenario refi saves you like 3% interest, which is trivial since the actual strategy you should be focused on is paying off the loan in full as quickly as…
Would you be able to elaborate at all? Wouldn't it still be worth it to lower the APR even the slightest? Not arguing, just genuinely curious to learn.
Prime rates are like 5% for used auto loans. I wouldn’t even bother exploring a refi until your credit score is above 700