NOW! Now is always the best time. The refinance process is simple, there is no risk for you to find out your available options, and in most cases, you will be very glad you elected to move forward. You will save money immediately, and even potentially receive a few month’s reprieves on making any car payments at all.
If you have significantly improved your credit score since obtaining the original loan, you may be able to negotiate a lower rate or remove a cosigner from the loan.
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