Car Refinance FAQ
Are your services for free?
Absolutely! Car Refinancing services at Harbor Credit are free of cost.
Can I Refinance any car, regardless of age or mileage.
Unfortunately, no. You can only refinance a vehicle with less than 80,000 miles and no older than five years from the manufacture date.
Are your services available nationwide?
Yes, you can apply from any of the 50 states with no hassle at all!
What is the procedure to apply for Car Refinancing?
Just complete our online application form. We will then match your application with the local lender who will then contact you with the details regarding your refinance. After that you can finalize the terms and get the required funds!
What will be the interest rate for my new loan?
Interest rates depend on various factors like income, employment status, age of vehicle and credit circumstances. Our auto loan experts will be able to give you a more accurate answer once you apply with us.
Do you provide services for those with credit problems?
Yes our services are available for all, including those with credit problems. We will help you in getting the right deal regardless of your credit. If you have Bad Credit you must apply with a Co-Applicant that has credit that is Fair or better.
I have bankruptcy in my credit. Can I apply?
People with credit problems can easily apply with us for auto refinancing services. If you have Bad Credit you must apply with a Co-Applicant that has credit that is Fair or better.
Can I apply via phone?
No it is not possible to apply via phone currently. But you can use our online application form which is easy, fast and free!
How long does it take?
You will be contacted by phone or email within 24 - 48 hours during normal business hours.
Can you get me a better rate than my existing loan?
Most likely, yes. If one of our lenders can improve your interest rate they will contact you.
What information is required to process my application:
Please note the following requirements when filling out this form:
- Minimum of 18 years of age
- $1,850 minimum income a month if single applicant
- $2,500 minimum combined income of both applicants if joint application
- Car must be no older than five years of manufacture date
- Car must have less than 80,000 miles on it
- Must owe more than $8,000 on your current loan
What if my question is not listed here?
If you have a question that is not answered here just go to our contact us page and submit your question there. Someone will get back to you as soon as possible.
Car Refinance
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