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Auto refinance calculator


Refinance Calculator, refinance auto loan calculator.#Refinance #auto #loan #calculator


Refinance Calculator

The refinance calculator is used to plan the refinancing of your loan with various choices: Possible cash out, refinance cost, and points are all considered. It will compare the monthly payment, total payment, interest, and offers the possibility to view the existing loan and refinanced loan side-by-side.

Refinance auto loan calculator

To refinance a loan, you take out a new loan, and pay off the old one with it. Obviously, the new loan should offer you improved terms over the old loan. If the old loan involved the use of collateral (assets you own that guaranteed the load), they can also be used for the new loan. Sometimes a borrower will borrow a little extra during refinancing to take some equity out of an asset (known as “cash out” refinancing).

A refinancing may also allow you to change the type of loan you are making, as you may wish to switch from a variable-interest rate loan to a fixed rate of interest.

In a refinancing it’s important to take all the extras into account. There are often fees and charges that may make the refinancing not worthwhile. You should carefully compare the refinancing with your previous loan, looking at the full set of costs. A prepayment penalty on some loans, particularly car loans, is one to watch out for.

Many people refinance car loans to increase the length of the loan so as to reduce the size of monthly payments. They should realize, of course, that this increases the cost of the loans because more interest is paid use the calculator to see just how this works.

You may also want to watch out for getting stuck with an “upside down” auto loan this means a loan in which the car you own isn’t worth as much as the loan you are paying off. If you increase the length of your loan, you should realize that your car will decline in value over the period that you pay off the loan. Late in the loan period, if you try to sell the car, you won’t be able to recuperate as much as you owe the lender, and you’ll have to spend your own money to pay off the loan.

But, for whatever kind of loan you may have, there may be good reasons to refinance. One is that interest rates may have sharply declined. If you borrowed in a period of high general interest rates, and they’ve since gotten lower, you might be able to arrange a good deal with a different lender based on the lower rates. Sometimes even the same lender will make such a deal, knowing that if they don’t, you’ll go elsewhere.

Another reason for refinancing may be that your credit score has improved. This means that you now have access to many better loan deals than you could get previously. You might have corrected errors in your credit scores, or simply gone for a period of caring carefully for your credit so that your scores improved.

When considering a refinancing, shop around. Talk to a variety of lenders, and use the calculator to compare their terms. Remember that, once you’ve made a refinancing deal, you’ll have to live with it for a long time, so make sure you’re happy with it.


Car Refinance, Auto Loan Refinancing, OpenRoad Lending, auto loan refinance rates.#Auto #loan #refinance #rates


Love Your Car, but Not the Payment?

  • OpenRoad Lending has a 98% customer satisfaction rating
  • A trusted member of the American Financial Services Association
  • An accredited A+ Better Business Bureau company
  • Recognized by Inc. Magazine as the 37th fastest growing private company in America!
  1. 1. Apply from anywhere in minutes with no obligation.
  2. 2. Get an answer back from us in as fast as one hour.
  3. 3. Save hundreds, even thousands, on your auto loan!

Auto loan refinance rates Auto loan refinance rates

We’re Ready to Work for You!

Refinancing is Easy and Well Worth the Effort

Actual Customer Savings Story

Lower Rates and Amazing Savings!

Choosing the right Auto Finance Company is now easier than ever. For years, OpenRoad Lending has helped tens of thousands of customers save over $100/month† on average by refinancing their auto loan.

BBB Accredited Business

Refinancing Your Auto Loan With OpenRoad is Easy,

and You Could Save Hundreds, Even Thousands!

Apply

Download

Customer Reviews

Why OpenRoad Lending?

  • Trusted Across the Nation OpenRoad is a trusted member of the American Financial Services Association, A+ accredited by the BBB, an Inc. 500 fastest growing business and a Dallas Business Journal Best Places To Work Company
  • Low Rates and Amazing Savings OpenRoad has refinanced tens of thousands of auto loans and to our customer’s delight saved an average of more than $100 a month. That’s over $1200 a year
  • Happy Customers Financing solutions for all credit types. For years OpenRoad has set itself apart by providing World Class Customer Service and we are proud to have a 98% customer satisfaction rating.
  • Quick, Easy and Secure Apply online or over the phone from the comfort and privacy of your own home with no cost or obligation. Quick loan decisions, flexible financing options and cutting edge technology for a great experience!

Customer Savings To Date

Tools & Tips

Tools & Tips

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

Products

Products

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

Auto loan refinance rates

OpenRoad Lending Blog

Avoid These DIY Mistakes When Working On Your Car

Vehicle Refinancing – A Simple Process Leading to Great Savings

Used Cars for New Drivers

Car Refinance Loans – Is a Refinance Right for Me?

Auto Loans Made Easy for New and Pre-Owned Vehicles

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  • Site Map
  • Contact Us
  • Careers We’re Hiring

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Auto Loan Rates – Police and Fire Federal Credit Union, auto refinance rates.#Auto #refinance #rates


auto refinance rates

Auto refinance rates

Auto refinance rates

Auto Loan Rates

Check out our competitive auto loan rates, as well as rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.

Annual Percentage Rates (APRs) are effective as of Friday, November 10, 2017 and are subject to change.

2018, 2017, and 2016 Model Vehicles

2015, 2014, and 2013 Model Vehicles

2012, 2011, and 2010 Model Vehicles

Rates reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE . The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 75,000 or less. The maximum age of any auto to be financed is 6 years or less than the current model year (For example, as of January 1, 2017 the oldest auto to finance is a model from 2010). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL, and NY or a used car from a licensed dealership in PA, NJ or DE.

  1. Your rate will depend upon your credit score, loan term and model year.
  2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us

at 1-800-228-8801 or 215-931-0300.

Auto refinance ratesAuto refinance ratesAuto refinance rates

ABA Routing #236084285

Police and Fire Federal Credit Union

901 Arch Street, Philadelphia, PA 19107

©2017 Police and Fire Federal Credit Union.


Refinance Auto Loan – When to Refinance Your Car Loan, refinance auto loan rates.#Refinance #auto #loan #rates


Refinance auto loan – When to refinance your car loan

Refinance auto loan rates

With interest rates remaining so low, an auto loan refinance may have crossed your mind — and it could be a good idea.

Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan.

If your current car loan interest rate is above 6%, you might want to investigate refinancing.

Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees.

But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:

  • Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. In this case, loans at refi rates are considered used car loans and as such, the rates usually are higher than new car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.
  • Your credit score has improved. If you had a few negatives on your credit report — or had no history of credit — when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18% or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. Steve Schooff, a former spokesman for Capital One Auto Finance, says consumers should check their credit scores before refinancing.Your credit score has a major influence on auto loan rates. Get your score for free at myBankrate.
  • You didn’t get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn’t mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn’t know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
  • Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the loan term, thereby lowering the monthly payment.
  • Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.

Finding a lender that refinances is the easiest step in the process. Credit unions do big business in vehicle loan refinancing and they have money to lend. You will need to open a checking or savings account at one if you’re not already a member.

How much can you expect to save? According to Schooff, if one year ago you took a $25,000 auto loan for five years at 7.75% interest, refinancing the balance today at:

  • 4.75% for the remaining four years of the loan would save $1,373 — $28.60 per month.
  • 5.75% for the remaining four years of the loan would save $906 — $18.88 a month.
  • 6.75% for the remaining four years of the loan would save $448 — $9.33 a month.

Refinancing isn’t an option for everyone. If the vehicle is worth less than the loan balance (upside down), a lender probably won’t take the chance and at the same time lower your interest rate. You can determine the current value of the vehicle through Kelley Blue Book, or KBB.com, Edmunds.com or AutoTrader.com.

Other requirements may also disqualify you, such as the age of the vehicle and the outstanding balance to be refinanced. Capital One Auto Finance, for example, will not refinance a vehicle more than 7 years old; the amount of the loan can be no less than $7,500 and no more than $40,000.

It’s important, Schooff says, “that consumers determine if their current auto loan has any penalties for paying off the loan early. This will impact how much they can save from refinancing.”

Call your lender and request the current payoff amount of your loan. This is the amount of money you need to refinance. It is also the figure you’ll compare against the vehicle’s value to determine if the vehicle is worth more than the amount you need to borrow.

There is no required amount of time from the date of the original loan until you can refinance. Actually, because of the way most auto loans are structured, the majority of the interest is paid during the first half of the term of the loan. The younger the current loan is, the more money refinancing will usually save.

Once you know your payoff, you can determine how much refinancing can save each month by using Bankrate’s auto loan calculator to find your new payment, then subtract it from your existing payment.

Because most refinancing loans are fairly straightforward, decisions are usually made quickly. Schooff says Capital One Auto Finance typically gives the consumer a decision by email within 24 hours of submitting the online application.

If you find yourself upside down in your car loan and for personal reasons need to lower your payment, you may be able to persuade your current lender to modify your loan, lowering the monthly payments by extending the term of the loan or reducing the interest rate.

It’s important to act before your payments fall behind. The earlier you open communications with your lender, the better the chance of coming to an arrangement.


Refinance Auto Loan – When to Refinance Your Car Loan, auto loan refinance.#Auto #loan #refinance


Refinance auto loan – When to refinance your car loan

Auto loan refinance

With interest rates remaining so low, an auto loan refinance may have crossed your mind — and it could be a good idea.

Doing so could save hundreds of dollars each year and sometimes thousands over the life of the loan.

If your current car loan interest rate is above 6%, you might want to investigate refinancing.

Unlike refinancing your mortgage or even consolidating credit card balances, refinancing your vehicle loan is usually quick, easy and painless. No appraisal will be required. And usually there are minimal, if any, fees.

But refinancing is not for everyone. It makes sense if, since the original loan, you find yourself in one or more of these five situations:

  • Interest rates have dropped. If interest rates have dropped more than a couple of points since purchasing your vehicle, you could save some money. In this case, loans at refi rates are considered used car loans and as such, the rates usually are higher than new car loans. Remember, even a percentage point or 2 can make a big difference over the life of the loan.
  • Your credit score has improved. If you had a few negatives on your credit report — or had no history of credit — when you bought your car, but your credit is healthier now, you may qualify for a lower interest rate. Interest rates of 18% or more for consumers with a thin credit history are common. Several months of on-time payments could entice a lender to refinance that loan at a lower rate. Steve Schooff, a former spokesman for Capital One Auto Finance, says consumers should check their credit scores before refinancing.Your credit score has a major influence on auto loan rates. Get your score for free at myBankrate.
  • You didn’t get your best rate when you purchased. Just because you had a high credit score and unblemished credit history doesn’t mean you got the best rate you could have received when you purchased the car. Dealer-sourced vehicle loans commonly carry a higher rate than the consumer deserves because the consumer simply didn’t know better. The extra money is a profit source to the dealer, like rust-proofing or extended warranties. When this is discovered after the fact, it may pay to refinance.
  • Your personal financial landscape has deteriorated. If you have had a financial setback and need to reduce your payments, refinancing could be a solution by increasing the loan term, thereby lowering the monthly payment.
  • Your car lease is expiring and you want to purchase the vehicle. When you fulfill the terms of a lease, you typically have the option to buy the vehicle.

Finding a lender that refinances is the easiest step in the process. Credit unions do big business in vehicle loan refinancing and they have money to lend. You will need to open a checking or savings account at one if you’re not already a member.

How much can you expect to save? According to Schooff, if one year ago you took a $25,000 auto loan for five years at 7.75% interest, refinancing the balance today at:

  • 4.75% for the remaining four years of the loan would save $1,373 — $28.60 per month.
  • 5.75% for the remaining four years of the loan would save $906 — $18.88 a month.
  • 6.75% for the remaining four years of the loan would save $448 — $9.33 a month.

Refinancing isn’t an option for everyone. If the vehicle is worth less than the loan balance (upside down), a lender probably won’t take the chance and at the same time lower your interest rate. You can determine the current value of the vehicle through Kelley Blue Book, or KBB.com, Edmunds.com or AutoTrader.com.

Other requirements may also disqualify you, such as the age of the vehicle and the outstanding balance to be refinanced. Capital One Auto Finance, for example, will not refinance a vehicle more than 7 years old; the amount of the loan can be no less than $7,500 and no more than $40,000.

It’s important, Schooff says, “that consumers determine if their current auto loan has any penalties for paying off the loan early. This will impact how much they can save from refinancing.”

Call your lender and request the current payoff amount of your loan. This is the amount of money you need to refinance. It is also the figure you’ll compare against the vehicle’s value to determine if the vehicle is worth more than the amount you need to borrow.

There is no required amount of time from the date of the original loan until you can refinance. Actually, because of the way most auto loans are structured, the majority of the interest is paid during the first half of the term of the loan. The younger the current loan is, the more money refinancing will usually save.

Once you know your payoff, you can determine how much refinancing can save each month by using Bankrate’s auto loan calculator to find your new payment, then subtract it from your existing payment.

Because most refinancing loans are fairly straightforward, decisions are usually made quickly. Schooff says Capital One Auto Finance typically gives the consumer a decision by email within 24 hours of submitting the online application.

If you find yourself upside down in your car loan and for personal reasons need to lower your payment, you may be able to persuade your current lender to modify your loan, lowering the monthly payments by extending the term of the loan or reducing the interest rate.

It’s important to act before your payments fall behind. The earlier you open communications with your lender, the better the chance of coming to an arrangement.


Auto Refinance Calculator – Will Refinancing Save You Money, Calculators by CalcXML, refinance auto loan.#Refinance #auto #loan


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Should I refinance my auto loan at a lower rate?

Without increasing the term remaining on your existing loan, you will be able to save interest with a new loan at a lower rate. Use this auto refinance calculator to determine the monthly savings that could be realized by refinancing your auto loan at a lower rate yet keep the same remaining term.

Refinance auto loan

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Refinance auto loanRefinance auto loan


Car Refinance, Auto Loan Refinancing, OpenRoad Lending, auto refinance calculator.#Auto #refinance #calculator


Love Your Car, but Not the Payment?

  • OpenRoad Lending has a 98% customer satisfaction rating
  • A trusted member of the American Financial Services Association
  • An accredited A+ Better Business Bureau company
  • Recognized by Inc. Magazine as the 37th fastest growing private company in America!
  1. 1. Apply from anywhere in minutes with no obligation.
  2. 2. Get an answer back from us in as fast as one hour.
  3. 3. Save hundreds, even thousands, on your auto loan!

Auto refinance calculator Auto refinance calculator

We’re Ready to Work for You!

Refinancing is Easy and Well Worth the Effort

Actual Customer Savings Story

Lower Rates and Amazing Savings!

Choosing the right Auto Finance Company is now easier than ever. For years, OpenRoad Lending has helped tens of thousands of customers save over $100/month† on average by refinancing their auto loan.

BBB Accredited Business

Refinancing Your Auto Loan With OpenRoad is Easy,

and You Could Save Hundreds, Even Thousands!

Apply

Download

Customer Reviews

Why OpenRoad Lending?

  • Trusted Across the Nation OpenRoad is a trusted member of the American Financial Services Association, A+ accredited by the BBB, an Inc. 500 fastest growing business and a Dallas Business Journal Best Places To Work Company
  • Low Rates and Amazing Savings OpenRoad has refinanced tens of thousands of auto loans and to our customer’s delight saved an average of more than $100 a month. That’s over $1200 a year
  • Happy Customers Financing solutions for all credit types. For years OpenRoad has set itself apart by providing World Class Customer Service and we are proud to have a 98% customer satisfaction rating.
  • Quick, Easy and Secure Apply online or over the phone from the comfort and privacy of your own home with no cost or obligation. Quick loan decisions, flexible financing options and cutting edge technology for a great experience!

Customer Savings To Date

Tools & Tips

Tools & Tips

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

Products

Products

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

Auto refinance calculator

OpenRoad Lending Blog

Avoid These DIY Mistakes When Working On Your Car

Vehicle Refinancing – A Simple Process Leading to Great Savings

Used Cars for New Drivers

Car Refinance Loans – Is a Refinance Right for Me?

Auto Loans Made Easy for New and Pre-Owned Vehicles

  • Privacy Policy
  • Site Map
  • Contact Us
  • Careers We’re Hiring

Auto refinance calculator Auto refinance calculator Auto refinance calculator Auto refinance calculator