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Hinterhaus Productions/Getty Images
5 min read Published 12 January 2023
Writen by Mia Taylor Written by Contributing Writer

Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation's leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com.







Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He believes in the clarity of his reporting, which helps readers successfully get deals and make best decisions for their financials. He specializes in small and auto loans.









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Refinancing the car loan can help you get better loan conditions and help you free up funds in your budget. What happens to the credit rating of yours? There's a chance that you'll see a slight decrease of your credit rating. However, don't be afraid to stay away from the possibility of having a lower score. The decision could turn out to be sound decision that results in cost savings or much-needed financial relief. What happens when you refinance a car loan affects credit Refinance the car loan could affect your credit profile. This is due to you FICO credit score. It is given through Fair Isaac Corporation. Fair Isaac Corporation. FICO scores are based on the way they manage credit such as your payments history, the amount of debt you owe and the duration of your credit history and even recent credit requests -- for example, applications to refinance your vehicle loan. The credit scoring model can lower your score a couple of points when you apply for credit and a hard inquiry is made to your credit record. Also, opening a new credit account on your credit profile reduces the age average of credit accounts which can affect your FICO score overall. Here is a deeper review of how refinancing your car loan can affect your credit score. It generates hard inquiries: When you make an application for a loan and you are approved, an inquiry on your credit report is produced, which may cause the slightest dip of your FICO score. Hard inquiries stay in your credit file for up to two years, but will only affect your score for up to 12 months. Therefore, the process -- which is the process of applying for a new loan could for a short period of time affect your credit score. It reduces your accounts' average age: Refinancing also decreases the average age of accounts, resulting in an eventual reduction in your credit score. The good news is account age only counts for 15 percent on your score. Your score should improve quickly if you are able to responsibly manage the new auto loan and other debt accounts. It has more impact if reported as a new loan: If your loan refinance is considered a "new" loan, it will more significantly impact your credit score. The refinance won't just result in a credit check, but also have the added effect of creating a new "open date" on your profile. When a new open date appears, it informs the credit bureaus that you've accepted a new loan obligation, thereby increasing your overall debt load. How long will my credit score be affected when I refinance? Although refinancing a car loan impacts your credit score, these impacts are temporary. Within a few months of payments that aren't interrupted your credit score will be back to the level it was prior to the time you refinanced. In certain cases the score may rise little. If you've got any tough inquiries related to your refinancing plan, the impact on your credit score is likely to diminish completely within the course of an entire year. How can you limit the damage to your credit score Even though your credit score could decrease when refinancing but there are ways to : Get prequalified. Shop around to find the best deal on refinancing. After you've compiled a list of lenders you prefer, sign up to look at financing options that won't affect the credit rating. You must apply within a specific timeframe. If you submit loan applications within the 14-day time frame, many credit scoring models will group the applications into one inquiry. This is referred to as rate shopping. It can also reduce the impact on your credit score. Make timely auto loan payment. The biggest factor in your score on credit is the credit history. It's responsible for about 35 percent therefore, making sure you pay your loan punctually each month can boost your credit score back. Be patient when opening new credit accounts. Your credit score will be lower when you refinance. The delay in creating new credit cards in the wake of refinancing will help improve this number and possibly improve your credit score over time. Refinancing a car loan works If you're ready to refinance your auto loan take these guidelines to help make refinancing more smooth: Check your credit. Review the credit reports to make sure it's free of errors, and file disputes to address any issues you discover. Taking this step can help . A greater score -- 670 or higher improves your odds of securing the next loan with attractive rates. Find the best loan offers. There is plenty of them , so you should shop around to find the best deal. Check out lender reviews and get prequalified to look at loan offers you may qualify for. Submit an official application. Many credit unions, banks and online lenders have easy online applications. You can also visit a branch or call in to make an application. You could receive a loan decision right away, however, the lender may take a bit to finalize all the paperwork for closing. Close the deal. Go over all the loan documents and discuss any concerns or questions to the lender. When you've signed the loan documents an agreement, the new lender will send you a an amount to cover your current loan or take care of the transaction itself. Refinancing your car loan There are several reasons why refinancing your auto loan may be beneficial. However, you should only proceed . It is worth looking into refinancing in the event that auto loan rates have dropped since you obtained the car loan or your credit score has improved, and you're now eligible for a better rate. Refinancing is also sensible if you're going through a rough financial patch and are in need of lower car payments to free up cash. Even if you pay the same rate of interest, you might be able to extend the loan term, which lowers your monthly payment. It's possible to consider a better option than refinancing. This involves altering the monthly payment and due date, or the interest rate on your existing loan. It is also advisable to refinance when you have to increase or add to the loan. Is it a good idea to refinance an auto loan? There are a handful of scenarios where refinancing is not a good idea. Vehicles that are old or with high mileage If you own an older vehicle or one that has high mileage, it may be wise not to refinance. It's not worth the costs associated with refinancing if you will have to replace your vehicle in the near future. Refinancing costs are more expensive than the benefits: If you've already paid off most of the original loan sum, then the fees associated with refinancing may outweigh the benefit. Applying for more credit soon: If you are applying for more credit or loans within the next few months, you may be thinking about refinancing. Refinancing your car loan will generate a hard credit inquiry , and reduce the average age of your accounts, which could affect the credit rating of your. Can't get a good rate: If the rates that you're offered don't beat the current rate of interest it's not a good idea to refinance. The bottom line There are the consequences of a car loan. It could temporarily affect your credit score. However, the financial advantages may significantly outweigh a drop in credit score. There are also methods to limit the negative impact on your credit score and help it recover when you apply for refinancing. Before deciding whether refinancing makes sense, familiarize yourself with the process so that you don't face any unpleasant surprises. Also, explore the lenders, apply for prequalification and calculate the figures for a more informed decision.


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Written by a Contributing Writer

Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation's leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com.



Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He is a fan of transparent reporting that allows readers to easily get deals and make most informed decisions regarding their finances. He is a specialist in auto and small business loans.











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