Can you refinance a car loan?
Even with the risk, the drop in monthly payments that comes with an interest rate reduction can’t be ignored. Refinancing a loan after the first year could save hundreds of dollars over the remaining loan term if interest rates have dropped.It's possible to refinance a car loan when your credit isn't in the best shape, but it might not yield the results you're hoping for.
Finally, you might not be a great candidate for refinancing if your car is older and has higher mileage. Beyond the fact that lenders don’t want to be on the hook with a worn-out vehicle should you default, there isn’t as much value in very
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