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Tune Up Your Car Loan

Now that you've refinanced your house, what about your car? If you bought the vehicle with a loan a year ago, you're probably paying 8% on the borrowed amount. But with refi rates on almost-new cars below 6%, you could save several payments by the end of the original five-year loan (table). Unlike mortgage refis, you don't pay closing costs on a rejiggered auto loan, though you may pay a small fee to transfer the title to a new lender., which works with several lenders, offers good rates. A unit of Capital One Financial, has a 5.49% rate for up to 36 months, and 5.95% for four or five years. For help, check out the calculator at

By Ronald Grover

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