Help with refinance process?

JesseG805

A credit union would probably give you the most competitive rate. I did mine through a local credit union and brought my apr from 4.7% to 1.8%. The whole process went smoothly. I didn't have to do any downpayment of any sorts. They just ran my credit and got me approved. My only issue was the fact that my sister had originally co-signed for me. The title said my name "or" her name. The DMV was charging me sales tax to completely remover her name and just leave mine. I ended up keeping her on the title and now plan to pay off my car by the end of the year... hope this helps.