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Should you refinance or trade in your car? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive tools and financial calculators as well as publishing original and objective content. We also allow users to conduct studies and evaluate data without cost, so that you can make financial decisions without trepidation. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this website are provided by companies that compensate us. This compensation may impact how and where products appear on this website, for example the order in which they may appear within the listing categories in the event that they are not permitted by law for our mortgage home equity, mortgage and other products for home loans. This compensation, however, does not influence the content we publish or the reviews appear on this website. We do not cover the universe of companies or financial deals that may be accessible to you.



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5 minutes read Read March 02, 2023
Authored by Kellye Guinan. Written by personal and Business Finance Contributor

Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial matters. She also works full-time as a worker at her local library where she helps her community get information on financial literacy, in addition to other subjects.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to control their finances through providing concise, well-researched, and clear information that breaks down complicated subjects into bite-sized pieces.









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Trading and refinancing your car are two distinct processes -- so neither is more or less than the other. The benefits and drawbacks are contingent on what you wish to gain from your car and your finances. Do you prefer refinancing or trading your car better? Both refinancing and trading your car could save you money, but the most effective choice for you will be based on your objectives. is the best option should you decide to remain with your car, however you want to alter the conditions of your loan. You may be eligible for the lowest interest rate in the event that your credit score has improved since the time you first took out an auto loan. This could mean a lower monthly payment and less paid in interest all-around. Utilizing your car as a can help you pay for your down cost. If you're looking to purchase an additional car, trading in -- selling to a dealership -- will provide you with more cash to use. This could also result in better loan terms as you are able to take out a lower loan on the new vehicle. Refinancing instead of. trading for a car. You are able to refinance the car loan either with your current or a new lender. If you are lucky, the allows you to lower your interest rate , or even get an extended loan term. Both of these will reduce your monthly payments and make your car loan more affordable each month. However, refinancing to a means you will pay more interest. And while refinancing is an option for those who are satisfied with the car you have The lenders typically have specific requirements that you need to meet to qualify. Trading in a car is a simpler option. When you've researched the value of your car and then you are able to visit various dealerships to see what they have to offer. The aim is to get rid of your vehicle and use the proceeds to . If you have some left over, you can use it as part of the down payment you make for your next car. It is ultimately an ideal option if you would like to try something new and you know you'll find a great deal on an existing loan -- as well as an old or new car. How refinancing your car works It's basically similar to . It is better than trading in your vehicle when you love your vehicle and wish to reduce your monthly payments. If your credit has improved and you have equity in your vehicle or you'd like to add a co-borrower, then refinancing is the best way to go. 1. Gather your documents. You should know how much you have to pay for your car as well as your credit score. Lenders are also likely to know your financial details as well as more details about your car, including the model year, as well as current mileage. 2. Find out about rates and lenders. Check out and the common requirements of lenders. Besides good credit and solid finances the majority of lenders will require that your vehicle is less than 10 years old and have under 100,000 miles. The majority of lenders have a minimum loan amount that you will need to meet to qualify. 3. Apply with multiple lenders. Much like a new auto loan one should apply for with banks, credit unions and online lenders. It allows you to examine rates without impacting your credit score, which allows you to choose the most suitable refinance option. 4. Confirm how the loan is to be paid back. After you have signed your loan documents, be sure the lender either sends you the funds to pay off the loan or reimburses it on your behalf. You will need to keep making payments until your current loan is fully paid off. What happens when you trade in your car works Dealers like to offer trading on your car part of the process of buying a brand new vehicle, but it's an entirely separate procedure that should be dealt with separately. It is possible to shop for your trade-in at several dealers even if you decide not to buy a car with the one you decide on. 1. Find out the value of your car. Resources like Kelley Blue Book and Edmunds provide average prices for a range of vehicles. Check to know you're getting the best price in exchange for your used car. 2. Check your loan. Each vehicle appreciates in value. But if you owe , it can make it difficult to trade in. While you are still able to sell it, you may need to pay the remaining of your loan in the event that the price is too low. 3. Prepare yourself to bargain . Much like buying a car, you can bargain your trade-in. If the car you are selling is in excellent condition for its age and has an average mileage, you might be able to negotiate more from the seller. 4. Give the keys to the dealer. When you locate an agent to sell your car with, sign any documents and get the title transferred. Then, you'll either need to pay off your vehicle loan as well as use the money to make a down payment for your next ride. How can you reduce your monthly payments There are a few additional ways you can go about reduce your monthly payment, but some may end up costing more over the long haul. Defer your payments Most lenders will allow you to defer your payments for as long as three months when you're experiencing an immediate financial crisis. However, you can't defer the entire payment. Instead the lender tacks it on until the end of the loan term. This means that you won't only need to pay the loan later, but you will be responsible for interest charges. It is however a common solution if you genuinely can't afford the monthly installment. Be aware that deferrals are not permanent and will not reduce the overall cost of the loan. There are charges and penalties that will be outlined in your agreement for forbearance. To initiate a deferral, you'll likely need to submit an emergency letter for your lender. The letter should state the reasons you need to defer payments, and when you'll take them back. The lender will then ask for documents that prove your request and helps to establish the level of hardship you're experiencing. Not everyone is granted deferral. For instance, if your credit score isn't great or your income has decreased and you are not eligible, you might not be able to qualify. Request a loan modification instead of refinancing with a new lender, you can try . They may offer to prolong your loan period which can lower your monthly payments -or even alter your rate of interest. However the lender might not be able to change your loan. You become responsible for paying your loan at the time you sign the contract, consequently, your lender may choose to deny your request. It doesn't hurt to try however, it might not be as successful as refinancing. Pay biweekly If you find it difficult to make a big lump-sum monthly payment, try making it two payments. You will make the same payment, however, it will be more in line with your pay plan. In addition, biweekly payments tend to reduce the amount of interest being accrued for your loan. The ideal would be to cut back on other expenses so that two smaller installments won't be a burden for your finances. But biweekly payments still make up the same amount each month, so it won't be a solution for you if your current payments are too high. The next steps, ultimately your decision to trade in or refinance your car depends on what you'd like to get from your vehicle. Refinancing is the better option for those who want to continue to drive it however you require different terms for your loan. If you'd like to change things up and drive something new, you can trade in your current car to make up the difference in your down payment. It's generally best to put between 10 to 20 percentage down when buying a car and the option of trading in your car can ease that burden. Whatever you decide to do, make sure to do your research and know your car's value before searching for lenders or going to the dealership.


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Written by a Personal and Business finance contributor

Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal financial matters. She also works full-time as a worker at her local library in which she assists the community access information about financial literacy, as well as other topics.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing clear, well-researched data that breaks otherwise complex topics into manageable bites.






Auto loans editor




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