20 y/o and want to refinance car
Hello, I currently have a loan with Ally Financial on my 2019 Genesis G70 3.3T and am looking to refinance it. The loan I have isn’t too bad, it’s the lowest I could get for some reason. Car price was $27,770 OTD and I paid $10k down after selling my project cars.
Outstanding balance $16,452
Current interest rate %14.74
70 months left on 72 month term
Monthly payment is $347
My main issue is I just don’t know what places can get me a lower interest rate.
I make $52k/yr and as of recently work from home.
No mortgage, monthly bills $200 not including car + insurance
Perfect record of every type
Perfect credit history with a score of 714
PenFed only showed 66 months at 12.99% APR so not really great at all.
Is there anywhere I have a shot at getting below 10% mark?