They will not have a refi loan for you anywhere near their advertised rate. They may not even have a loan for you in your area. But they Will want a hard inquiry on your credit report, even if you've been “pre approved” with the advertised ratr. You're better off staying away and just keep what you have, and avoid the hard inquiries.
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AUTOPAY provides direct-to-consumer financing and refinancing for individuals looking for the best financing terms and a no-hassle transaction.