Been debating whether its worth refi the car to 3.49% to 5 year loan versus 6 i'm on now and paying every two weeks even thought it due once a month.1. Will it cost you any money to refi, like an application fee for the new loan?2. Even though your payment will go up, will you still be making a full payment every 2 weeks on the new loan?3. Are you going to use the $10,415 check that you get from the other car to pay down this loan?Assuming that the answers to each of these questions is yes, and the fee to refinance the loan is more than about $20, it will cost you more to refinance the car than it would save you in interest to refi. So if this is the case, the answer is, no it's not worth it to refi.If not all of the answers are yes, then it might be worth it.AJ
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