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Lower Your Monthly Payments

Auto Refinancing
refinance:

have an auto loan?

Refinance your existing auto loan from another financial institution with Charlotte Metro at no additional cost to you! You could get up to 1% APR1 reduction!

  • Highly competitive rates and terms
  • 100% financing for qualified borrowers
  • Automatic payment plans
Auto Refinancing
home loan refinance
refinancing

are you a homeowner?

Refinancing an existing mortgage to lower your interest rate and / or change the term can help lower your monthly payments. A good rule of thumb? If the total closing costs (roughly 3% of the new loan amount) can be made up in your monthly payment savings within the first 12 – 24 months of the new refi, then go for it. Not possible? Let's find another way to save you some money.

Quick example: If your closing costs are $4,800, then your new monthly payment should be at least $200 less than your current monthly mortgage payment. How did we figure that out? $200 x 24 months = $4,800. Ta da!

home loan refinance
balance transfer

carrying a credit card balance?

If you’re carrying a balance on any non-Charlotte Metro credit cards, you can transfer those balances onto a Charlotte Metro Visa Platinum or Platinum Rewards credit card – for free! You’ll receive an introductory rate of 0% APR1 for the first 12-months3.

Why does that help? You won't be accruing additional interest on the transferred balances, making your payments more impactful and giving you time to create that debt paydown plan.

Details

learning & guidance

more ways to save

ok, so here's the fine print: