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Better Credit Won’t Lower Your Car Loan Rate – Refinancing Will

Source: Money Crashers · Oct 17, 2026 17:45 UTC

Wall Street in New York's Financial District with flags hanging from buildings — File photo Carol M. Highsmith / Library of Congress · Public domain · Source

The Quick Take

A fixed rate doesn’t follow your score up. If you financed with fair credit or little credit history, steady on-time payments can lift your score into a better range while the loan keeps charging the old rate. Dealer financing gives... Source

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