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Q.: I am looking to refinance my auto. Unfortunately, my credit is poor. I have no one available to cosign, nor would I want to ask someone. My score is around 610, and I tried to have the bank refinance my car with no luck. My current rate is around 20 percent, and my payments are $275. I would love to refinance and get a lower rate and away from the company my car is financed with now. Do you have any suggestions for someone like me? – R.T. in Missouri
A.: Given the information you have provided, I would say your chances are slim to none for getting a refinancing. I understand you would like to get a lower rate and get away from the company that financed your car, but that company likely was either owned by or connected to the dealer from which you bought the car. I can't imagine any bank being remotely interested in a deal of this kind. All the way around, you are in a bad situation, and I sympathize. Your best bet is to get out from under the loan by paying it off early and then work on rebuilding your credit.