I need to refinance 3 cars.so i can have just 1 lower payment .who should i best choose.?

First off ..you need to determine you need three vehicles. If you do not..sell one to pay one off Ok, if you really need all three..then go to a bank and attempt to get a loan...a bank will offer the best interest rate on the market....Be aware banks are competitive amongst themselves..so shop around. Good luck to you and cut up your credit cards. Pay cash for everything you buy except a house...If you can't afford it...do without it

Bankrate.com is a decent site to find a loan that fits your needs, and it also offers some calculators and educational material.

The answer is, don't consolidate. In the end you end up just paying even more interest, then if you kept the original loans. My suggestion would be to knock off the lowest loan amount as fast as possible. You could just take a second job doing something like delivering pizzas or papers until you have eliminated that first debt. Once the first loan is paid off, take the original payment of that loan and start applying it to the next one plus that ones payment. As you get closer and closer to the last one, they will start being paid off faster and faster. Example Car 1: $3000, 200/mo Personal Loan $4600, 240/mo Car 2: $5000, 275/mo Car 3: $7000, 310/mo After Car 1 is paid off Car 1: $0, 0/mo Personal Loan $4000, 440/mo (200 from Car 1 + 240 from original payment) Car 2: $4600, 275/mo Car 3: $6700, 310/mo After P.Loan is paid off Car 1: $0, 0/mo Personal Loan $0, 0/mo Car 2: $4300, 715/mo (440 from P.Loan + 275 from original payment) Car 3: $6500, 310/mo Consolidating may lower payments or even make things easier for the time being. But in the end it often costs you much more in the way of interest. Using this debt snowball, you could see that debt be completely gone in under two years (faster if you can knock off that first debt quicker than if you just make minimum payments). The key is if you pay a total of $1000 in payments, just keep that amount consistant (again if not more) until all debts are gone.

So like $20,000 total? Here's a good loan site: http://loan.divinfo.com/ Try the banner at the top, or click around a bit. Lots of good info on loans of all types. Do you own your home? If so, maybe some type of equity loan would be best. Good luck!

A bank loan but dont just pick your local bank cause you've gone there all your life shop around rates are different