You are at the point where you must decide if you will trade in your vehicle or decide to refinance it. Which option should you choose? The answer boils down to what you are looking to get out of the experience.

Those who want to upgrade to something a bit nicer with some nicer features can do well to go with a trade-in deal. They may not get top dollar for their current vehicle, but at least they can get something that has some extra bells and whistles.

Those who want to refinance are okay with keeping the vehicle that they have now, but they are looking for a better deal on their interest rate or the length of the loan term that they are borrowing. Those are two things that one can usually capture with enough work at it. It is just a factor of searching around until you zero in on the deal that you want.

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