ok well my car was a ,000 and when everything came together it ended up being ,000 bc they said they were going to buy my other car back from me but they didnt they just added it onto this one and now i need to refinance it somehow! i have great credit but cant find someone that will do it for the price! does anyone else know any banks or anything that will help?
No one bank or loan company will have the lowest interest all of the time. To find the lowest interest the you can get, try credit unions first, then a regular bank. The last choice would be a loan that is through a dealership. These loans typically carry higher interest rates (remember, interest is the cost of borrowing money, including any fees and extra costs) that you incur) and dealerships like to make you pay for loan insurance as well. Also, interest rates on loans from dealerships typically include the commission that the dealership gets for "selling" you the loan.
The interest rate that you get will largely depend on your credit score. Banks like customers who pay down 20% or more for a car loan. For instance, if you want to get a car that costs $10,000, then banks would like it if you have a $2,000 initial down payment.
That will depend on your FICO score. (Your credit score.)