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No, You Don’t have to Sell Your SUV

(ARA) – If high gas prices coupled with a big monthly car payment have you thinking that it might be time to trade in your truck or SUV, you’ll be happy to know there is an alternative. Consider refinancing your auto loan at a lower interest rate, and using the money you save to offset today’s high gas prices.

By refinancing, you could get a lower interest rate, and therefore, a lower monthly payment, putting more cash in your pocket each month. Web sites like rateGenius.com make this process quick and simple. “Many people don’t realize that you can refinance your auto loan just like you can refinance your mortgage,” says company CEO Chris Brown.

Auto loan refinancing works very much like home refinancing, with one big difference. With the exception of a title transfer fee required by law, there are no costs for the consumer. “With a mortgage refinance, you pay a lot of fees,” notes Brown. “There’s a loan origination fee, closing costs, points, inspection costs. Those fees can really add up and eat into the financial benefits of refinancing.”

When you refinance, you will get a new lender for an existing loan, often for a better rate. You can also extend the payment term, skip a few payments, add or remove a co-applicant and add products (such as GAP insurance and extended warranties) to a loan.

In some cases, the company is able to arrange loans that allow up to 90 days with no payments. The savings consumers will see vary, but can be substantial. For example, if you have a $30,000 loan payable over 60 months at 12.5 percent interest, your monthly payment will be $674.95. By refinancing with rateGenius at a new interest rate of 7.5 percent, your monthly payment will drop to $601.14.

Take a few minutes to apply for auto refinancing by visiting www.rateGenius.com, or over the phone via the company’s toll free number. A loan adviser then compares offers from the company’s network of lenders to find the best deal for your individual situation. rateGenius has partnered with numerous lending institutions that provide customers with one of the most financially stable and diverse lending networks in the industry. The entire process can be completed in 24 to 48 hours.

The company has been in business since 1999 and has brokered over 29,000 loans. To find out how much you can save, visit www.rategenius.com or call (866) 439-5533.

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