With Poor Credit who will give me the best deal if I refinance my auto loan. I'm paying 11.82% with Wachovia.

Question

With Poor Credit who will give me the best deal if I refinance my auto loan. I'm paying 11.82% with Wachovia.

Answer 1

With poor credit you have a great deal with Wachovia.  Make payments on time or early and start improving your rating.

Answer 2

You can use credit repair agency to fix your credit - for example this one - http://freecreditreport.sinfree.net - They can clean lots of bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.

After credit repair you can get the loan with minimal interest rate.

Answer 3

It depends on your situation, but if your credit is as bad as you say, 11.82% is a decent rate to have. You can try and see what you can get by applying for refinancing, but I doubt it'll be much lower than what you have. But you never know!