Hello all, i have a motorcycle i would like to refinance from 11%~ APR roughly down to a lower APR, and i want to pick the best route possible. The reason is the 11% is not a big deal as I am unable to do payments towards the principal to pay it off sooner.

I went to chase , they said no. I've checked on light stream, they gave me 6.49 % but i feel i can do better and just want opinions, of course ill go to a CU tomorrow but unsure of good CU in Southern California. my credit score is at 748, on CK so i will assume i have at least 700 points.

Any advice is appreciated greatly, thank you in advance.

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• edit : I would like to know people have said just do a personal loan ( unsecured to pay it off), but I'm unsure because wouldn't a lending company want proof to show what you are going to ?