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I am a buyer of cars in the first place. How long should I wait to refinance my loan?

Yesterday I bought a used car 3 months and as I am a first car buyer my interest rate is very high, around 12 percent. I was told that if I do all the hourly during the first 6 months I should try to refinance with a local credit union. Has anyone had experience with this? I live in San Diego. Does anyone know a good credit union or bank to refinance. I am currently funded by Santander Consumer USA.

Funded cars is more expensive, because insurance coverage is required. You can compare what you pay for full coverage of this car with this tool – carinsurance.deep-ice.com

Santander Consumer USA, Inc

How Do Mortgages, Loans, and Credit Work? (Paperback) $8.86 Introduces loans and credit, describing the functions of each, why they are important to the economy, and how to properly handle loan and credit card debt.

Payment in Kind $7.91 It looks like a classic crime of passion to Detective J.P Beaumont: two corpses found lovingly entwined in a broom closet of the Seattle School District building. The prime suspect, Pete Kelsey, admits his slain spouse was no novice at adultery, yet he swears he had nothing to do with the brutal deaths of the errant school official and her clergyman-turned-security guard companion. Beau believes him, but there's something the much sinned-upon widower's not telling — and that spells serious trouble still to come. Because the secret Pete's protecting is even hotter than extra-marital sex. . . and it could prove more lethal than murder.

Payment in Blood $7.91 Detective Inspector Thomas Lynley and Detective Sergeant Barbara Havers must solve the murder of playwright Joy Sinclair on a lonely estate in the Scottish Highlands.

Payment System (Hardcover) $149.67 Mann (law, Columbia Law School) presents an introduction for law students to various types of payment systems, including credit enhancement and letters of credit and liquidity systems. He organizes the casebook by systems rather than statutes or categories of legal doctrine. While describing concepts, he presents problems and cases that emphasize the practical aspects of payment systems and gives less attention to abstract doctrinal rules that do not affect the systems in practice. For this edition, cases have been updated to include more recent opinions. Annotation )2009 Book News, Inc., Portland, OR (booknews.com)

Scholarships, Fellowships and Loans (Paperback) $332.64 Description not available.

SMALL LOANS, BIG CHANGES $22.53 Description not available.

Borrowing (Reinforced Hardcover) $30.97 "Answers basic questions students ask when learning about financial skills needed for adulthood, including borrowing money through mortgages, car loans, college loans, and credit cards"–Provided by publisher.

Developing And Managing a Successful Payment Cards Business $130 Industry pioneer Slawsky and consultant Zafar share their insights into the credit card business, including the way they work in the marketplace, current and future technologies, profitability, the flow of a bank card transaction, four-party payment systems, three-party or closed loop systems, organizational design, marketing and strategy, existing account marketing, including promoting desired cardholder behavior, customer management, operations management, fraud prevention and control, collections, infrastructures and delivery channels, business process analysis, and insider information on the future of payment cards, alternative payment products such as digital cash, and the fine art of securitization. Distributed by Ashgate. Annotation )2006 Book News, Inc., Portland, OR (booknews.com)

Payment for Ecosystem Services (Hardcover) $49.95 Transcripts of papers presented at a conference organized by International Society for Ecological Economics, held at New Delhi during December 2006.

Healthcare Payment Systems (Paperback) $59.95 Description not available.

Essentials of On-line Payment Security and Fraud Prevention (Paperback) $29.18 "Essential guidance for preventing fraud in the card-not-present (CNP) space This book focuses on the prevention of fraud for the card-not-present transaction. The payment process, fraud schemes, and fraud techniques will all focus on these types of transactions ahead. Reveals the top 45 fraud prevention techniques Uniquely focuses on eCommerce fraud essentials Provides the basic concepts around CNP payments and the ways fraud is perpetrated If you do business online, you know fraud is a part of doingbusiness. Essentials of Online Payment Security and Fraud Prevention equips you to prevent fraud in the CNP space." –

The Wall Street Journal Guide to Starting Your Financial Life (Paperback) $10.07 Introduces financial strategies for young adults, covering topics ranging from checking accounts and student loans to buying a car and managing an inheritance.

Payment for Environmental Services in Agricultural Landscapes (Hardcover) $107.91 In recent years, development policy has responded to an increasing concern about natural resource degradation by setting up innovative payment for environmental services (PES) programs in developing countries. PES programs use market and institutional incentives in order to meet both environmental and poverty alleviation objectives. However, their optimal design, implications for the rural poor, and how these initiatives integrate into international treaties on global warming and biodiversity loss are still being discussed. This book addresses these issues by scrutinizing analytical tools, providing policy insights and stimulating debate on linkages between poverty alleviation and environmental protection. In particular, it turns attention towards the role of environmental services in agricultural landscapes as they provide a living for many poor in developing countries. It serves as a valuable reference for academics and students in various disciplines, as well as for policy makers and advisors.This book is a co-publication between Springer and the Food and Agriculture Organization of the United Nations.