Where to Find the Cash You Need to Cover Those Holiday Bills

There's just something about the holiday season that puts everyone in a good mood. The kids are actually getting along, co-workers you haven't talked to in a while are suddenly swinging by your desk to say "hi." Even cashiers in the stores are more friendly than usual.

Unfortunately, the warm, fuzzy feelings seem to last only until the credit card bills from the holiday shopping sprees start to trickle in. Your first thought is probably "how did I mange to spend this much money?" followed by "how am I going to pay for this?"

Get a jump on your Holiday expenses with some extra cash by refinancing your car through RateGenuis. The company offers a variety of refinancing options; on average saving customers $61 off their monthly car payment and an average interest rate reduction of 3.5 percent. If you qualify, you may also be able to skip car payments for a minimum of 45 days and as long as 90 days, giving you time to catch up on those holiday expenses.

"When you refinance, you will get a new lender for an existing loan, often for a better rate," explains Chris Brown, CEO of rateGenius. "You can also extend the payment term, skip a few payments, add or remove a co-applicant and add products (such as GAP insurance and extended warranties) to a loan."

Auto loan refinancing works very much like home refinancing, with one big difference - with the exception of a title transfer fee required by law, there are no costs for the consumer. "With a mortgage refinance, you pay a lot of fees," notes Brown. "There's a loan origination fee, closing costs, points, inspection costs. Those fees can really add up and eat into the financial benefits of refinancing."

It takes just a few minutes to apply for auto refinancing at www.rateGenius.com, or over the phone via the company's toll free number, (866) 439-5533. A loan adviser then compares offers from the company's network of lenders to find the best deal for your individual situation. RateGenius has partnered with numerous lending institutions that provide customers with one of the most financially stable and diverse lending networks in the industry. The entire process can be completed in less than 72 hours.

The savings consumers will see vary, but can be substantial. For example, if you have a $30,000 loan payable over 60 months at 12.5 percent interest, your monthly payment will be $674.95. By refinancing with RateGenius at a new interest rate of 7.5 percent, your monthly payment will drop to $601.14.

RateGenius has been in business since 1999 and has brokered over 39,000 loans. To find out how much you can save, visit www.rategenius.com or call (866) 439-5533.

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