Rates look like they're coming back down after the initial summer rush; I financed my 2 year old used boat for 12 years at 4.9% back in 04...if you can change your priority from 'most likely' to 'most definitely', you should stretch it as far as possible while still keeping a reasonable rate, and (if you need to) just tell them to take out an additional amount each month as your automatic payment, which all goes to principal and will work for you to get it paid off even sooner. 6.6% at 10 years isn't bad at all, though...my CU is usually really good about rates, and i think they're near 7.3 right now
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