Can a car loan be refinanced even if the car was totaled to get lower interest?
Unlikely. Most lenders will not loan against a "salvage" or
"rebuilt" vehicle. The only time I've seen this done is when the
loan is less than 50% of the "salvage" value of the car. For
example, if the car in normal condition was worth $20,000, the
salvage value would be about $10,000. A lender may be willing to
loan $5,000 in this situation.
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