I bought an EVO that I pay 354.55 for 72 months for 8.99% apr. I have made payments for 12 months. I am wondering what my options are.

Why do you want to refinance it?

I am paying 515 at 16%. I have made the payments for yr. this is BS. i want a better rate

16% How much did you put down and how old are you?

was 20, ****ty credit and 7,500

you are getting raped with that 16%

I pay 613.26 for 72 months 7.9 APR
I was 19 with a 720 bekin score Rolled over 3000 from my eclipse into the car making my loan 34,998 back in July of 2003

Im spoiled.. I have had two brand new cars with only 1.9% financing. So I better get a very low APR with my EVO or im going to cry.

You got to find a credit union. 16% is almost sodomy.

I got a great rate (5.49% for 84 months) through a credit union, and that's 8 points from tier 1 credit. Tier 1 = 730 credit score and 4.99% at this particular credit union.

so anyone know any decent places to refinance?? LOL

I don't think any bank is going to refinance a car since they depreciate so fast.

Checkout lendingtree.com, I got prefinanced for my evo back in '03 at 3.8APR. My FICA was a bit over 740 though.

Do what atlvalet did, go to your local credit union. They tend to offer better rates than a normal bank does. I recently refinanced through my credit union and am paying less than through Mitsu.

Capital One will refinance you.

i would like to know this too... local credit union? lendingtree.com? or capital one?