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About refinancing with Patelco...

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This is my situation:

Have 6 months with Ford Motor Credit at 13.9%/5 years. Balance: 14,000. Paying on time. Score Experian 630. I would like to refinance(joint with my wife).

I was looking Patelco website and I didn't see any refinancing loan, only New Vehicle, Used Vehicle and Old Vehicle. Which one to use for refinancing?

Do you think they will approve me? good rates?

Thanks for your help.

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