🔁 Should You Refinance?
Look at the loan details and guess — real savings, lower payment only, or bad deal?
Scenario 1 of 4
Score: 0
Current Loan
Balance remaining
Current APR
Months left
Current monthly payment
New Offer
New APR
New term
New monthly payment
What's your call?
Monthly payment change
Total interest — current loan
Total interest — new loan
Lifetime interest difference
💡 Refinancing Rules
- A lower payment is not the same as saving money
- Extending your term can cost thousands more in total interest
- A good refi lowers your rate AND keeps the term the same or shorter
- Always calculate total interest paid on both loans before deciding
- Get pre-approved at Pioneer — we often beat bank rates