sgreger1 asked:
I have an 06 RSX that I bought with a 625 credit score and pay like 500 a month w/ 9-11% interest I think. When I bought it I had 3,000 in credit card debt and had only had a credit history of 2 years. Now that I am 21 and have 3 years of credit history, and have paid off all my debt down to 0, plus made payments on this car for 1 year, I was planning on refinancing the car this year. I am doing this mainly so I can afford the car when I am in the army this year, however I was wondering if the army can provide any discount (like a credit union) for re-financing if I sign an allotment or something so the creditor is sure they will get their money.
I have an 06 RSX that I bought with a 625 credit score and pay like 500 a month w/ 9-11% interest I think. When I bought it I had 3,000 in credit card debt and had only had a credit history of 2 years. Now that I am 21 and have 3 years of credit history, and have paid off all my debt down to 0, plus made payments on this car for 1 year, I was planning on refinancing the car this year. I am doing this mainly so I can afford the car when I am in the army this year, however I was wondering if the army can provide any discount (like a credit union) for re-financing if I sign an allotment or something so the creditor is sure they will get their money.
Anyone have any info on this?
@ Kathy
I know how a credit union works and I believe my credit is at something like 710, but I know the army has a lot of discount worked out with various institutions and I was wondering if being the army would help lend me credit for something like a refi. Obviousely I would only be doing this once I have been in for at least 6 months.
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Bowhunting
Credit Unions always have cheaper apr’s for most people.
But they don’t always let you have one, unless you can prove your credit is good. (and they like 750 or better) you can try refinancing the car, but don’t be surprised if the interest isn’t lower…you haven’t been in the military yet…
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The big 3 auto makers offer a discount. You MUST ask for them, they do not just come out and tell you that you may qualify for one. For example – Jeep – They offer a $500.00 cash allowance.
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check out as they have a huge list of Servicemen entitlements.
Good Luck