; and if your credit is not so good, you still will be able to refinance if you go to the right lender... about you; you wouldn?t refinance unless you stood to gain from it. If everything was perfect... and refinance. You cannot refinance if you are upside-down on your loan, meaning that you owe more... to refinance within the first two years of your present car loan. There is an exception to the two year rule... owe you can then refinance, no matter how old your car is, as long as it isn?t older than a 1998
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