I asked Sunwest for the best possible rate they could give on 60 months with Excellent credit they gave me 2.49% on 60 months because I also was a repeat borrower from the previous car and paid them off. I took the offer and now have a biweekly payment which makes me alot happier.Just realize, if you follow your historical pattern of paying off loans more quickly than they are due, this move will cost you money. And even if you take the full 60 months to pay off the loan, it will only save you about $50.Do not try to fool yourself that you are saving money with this refi - admit to yourself that you spent extra money in order to get a payment schedule that matched your current job's payroll schedule.AJ
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