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  However be wary as this rate of interest you pay on this type of loan as with the loan you initially took out is determined by your credit rating. Therefore if there has been no significant change in your credit score since the loan was taken out then the loan company may decide that the rate you currently have is the best for you and should stay as it is. https://tovuzretail.com/ 2. Refinance Through Your Bank - This is another option that many people prefer to use especially if they have a good relationship with their bank. In many cases a quick talk with a loan adviser at your bank will soon tell you whether it is worth your while doing your refinancing through them rather than through a loan company. What rate of interest the bank chooses to offer you on your loan will not only depend on how much you want to borrow, but also how long you want to borrow the money for. In many cases where people go for a shorter loan period then the bank will often provide a more competitive intere