1. Maybe you bought a car with too many "extras"? Even with a well-prepared budget, it's easy to get excited about a new vehicle and add unnecessary features or upgrades you don't really need.

2. Maybe your rate is too high? Dealership financing sometimes offers higher interest rates than credit unions or banks, especially if you didn’t shop around for the best rate.

3. Maybe you borrowed too much? If you took out a large loan or didn’t make a big enough down payment, your monthly payments will be higher.

4. Maybe your loan term is too long? Loans that last 5+ years might have smaller monthly payments, but they cost you more in the long run, and you’ll be paying for a much longer time.

5. Maybe you’re paying for a car you don’t really need? If you bought a more expensive car than necessary, your payments could be higher than what you can comfortably afford.

6. Maybe your credit score was too low at the time of financing? If your credit score was low, lenders may have charged you a higher interest rate, making your payments more expensive.

If any of these apply, your car payment might feel too high. Consider looking for ways to reduce the loan amount or lower your interest rate to make your payments more manageable.

You don’t have to be stuck with your current rate! Refinance your ride! Bring your loan from another lender to us, and we’ll trim 0.5% off the rate you qualify for!

• Low rates
• Up to 100% financing
• Flexible terms that will fit your budget
• Pre-approval for a loan up to the amount that you qualify for, to protect you from overpaying at the dealership
• Mechanical Repair Coverage and Guaranteed Asset Protection