When should I refinance my car loan from Exeter?
Hi! I have a 597 Credit Score and I'm steadily raising it. In December of 2024, I bought a used Hyundai Santa Fe with over 100k miles on it and my credit score was in a worse place. I currently am working on paying off my credit card debts and doing pretty well on snowballing them. My question is this - my car loan is through Exeter Finance and I have an outrageous interest rate. I have an account at a credit union. When should I refinance? Should I wait until my scores go up more?