{"id":2054,"date":"2025-04-22T10:00:00","date_gmt":"2025-04-22T02:00:00","guid":{"rendered":"https:\/\/www.perfectpajakcar.com\/?p=2054"},"modified":"2025-03-29T17:13:30","modified_gmt":"2025-03-29T09:13:30","slug":"car-refinance-vs-personal-loan-which-is-better-in-malaysia","status":"publish","type":"post","link":"https:\/\/www.perfectpajakcar.com\/my\/pembiayaan-semula-kereta-vs-pinjaman-peribadi-yang-lebih-baik-di-malaysia\/","title":{"rendered":"Pembiayaan Semula Kereta vs Pinjaman Peribadi: Mana Yang Lebih Baik di Malaysia?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2054\" class=\"elementor elementor-2054\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5o1cgdh elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5o1cgdh\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd3d3a5\" data-id=\"fd3d3a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4529f61 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4529f61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Need extra cash in Malaysia? Whether it&#8217;s for an emergency, debt consolidation, or a big purchase, two popular options are\u00a0<strong>car refinancing<\/strong>\u00a0and\u00a0<strong>personal loans<\/strong>. But which one is right for you?<\/p><h4><strong>What is Car Refinancing?<\/strong><\/h4><p>Car refinancing allows you to borrow money against your car\u2019s current market value. You keep driving your car while using it as collateral for a loan.<\/p><h4><strong>What is a Personal Loan?<\/strong><\/h4><p>A personal loan is an unsecured loan that doesn\u2019t require collateral. You can use it for any purpose\u2014medical bills, home renovations, or even a vacation.<\/p><hr \/><h3><strong>Key Differences Between Car Refinancing and Personal Loans<\/strong><\/h3><h4><strong>1. Loan Purpose &amp; Usage<\/strong><\/h4><ul><li><p><strong>Car refinancing:<\/strong>\u00a0Strictly for car owners who want to unlock cash from their vehicle.<\/p><\/li><li><p><strong>Personal loan:<\/strong>\u00a0Can be used for anything\u2014no restrictions.<\/p><\/li><\/ul><h4><strong>2. Interest Rates &amp; Costs<\/strong><\/h4><ul><li><p><strong>Car refinancing:<\/strong>\u00a0Lower interest rates (4%-8% p.a.) since it\u2019s secured.<\/p><\/li><li><p><strong>Personal loan:<\/strong>\u00a0Higher interest rates (8%-18% p.a.) because it\u2019s unsecured.<\/p><\/li><\/ul><h4><strong>3. Loan Tenure &amp; Repayment Flexibility<\/strong><\/h4><ul><li><p><strong>Car refinancing:<\/strong>\u00a0Longer repayment periods (up to 9 years).<\/p><\/li><li><p><strong>Personal loan:<\/strong>\u00a0Shorter terms (usually 1-7 years).<\/p><\/li><\/ul><h4><strong>4. Eligibility &amp; Approval Process<\/strong><\/h4><ul><li><p><strong>Car refinancing:<\/strong>\u00a0Easier approval if you own a car (even with average credit).<\/p><\/li><li><p><strong>Personal loan:<\/strong>\u00a0Requires good credit score and stable income.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e354ca4 elementor-widget elementor-widget-image\" data-id=\"e354ca4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"730\" src=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/03\/g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715-1024x730.png\" class=\"attachment-large size-large wp-image-2055\" alt=\"g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715.jpg\" srcset=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/03\/g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715-1024x730.png 1024w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/03\/g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715-300x214.png 300w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/03\/g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715-768x547.png 768w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/03\/g4354c21047fc4dd520edbfd0c807687244347ba832fc0a2879cce0c15a6b6f7c6261ecfefdce9c713687d0ba35a38c1c686e0459f233c13cf194ab0274791ec2_1280-2783715.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d7967 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e0d7967\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Pros &amp; Cons of Car Refinancing in Malaysia<\/strong><\/h3><h4>\u2705\u00a0<strong>Advantages of Car Refinancing<\/strong><\/h4><p>\u2714\u00a0<strong>Lower Interest Rates<\/strong>\u00a0\u2013 Cheaper than personal loans.<br \/>\u2714\u00a0<strong>Keep Using Your Car<\/strong>\u00a0\u2013 No need to surrender it.<br \/>\u2714\u00a0<strong>No Additional Collateral<\/strong>\u00a0\u2013 Your car secures the loan.<\/p><h4>\u274c\u00a0<strong>Disadvantages of Car Refinancing<\/strong><\/h4><p>\u2716\u00a0<strong>Risk of Repossession<\/strong>\u00a0\u2013 Defaulting means losing your car.<br \/>\u2716\u00a0<strong>Limited to Car Owners<\/strong>\u00a0\u2013 Not an option if you don\u2019t own a vehicle.<\/p><hr \/><h3><strong>Pros &amp; Cons of Personal Loans in Malaysia<\/strong><\/h3><h4>\u2705\u00a0<strong>Advantages of Personal Loans<\/strong><\/h4><p>\u2714\u00a0<strong>No Collateral Needed<\/strong>\u00a0\u2013 No risk of losing assets.<br \/>\u2714\u00a0<strong>Flexible Spending<\/strong>\u00a0\u2013 Use funds for anything.<br \/>\u2714\u00a0<strong>Fast Approval<\/strong>\u00a0\u2013 Some lenders disburse cash in 24 hours.<\/p><h4>\u274c\u00a0<strong>Disadvantages of Personal Loans<\/strong><\/h4><p>\u2716\u00a0<strong>Higher Interest Rates<\/strong>\u00a0\u2013 More expensive long-term.<br \/>\u2716\u00a0<strong>Strict Credit Requirements<\/strong>\u00a0\u2013 Poor credit = rejection.<br \/>\u2716\u00a0<strong>Shorter Repayment Periods<\/strong>\u00a0\u2013 Higher monthly installments.<\/p><hr \/><h3><strong>When Should You Choose Car Refinancing?<\/strong><\/h3><ul><li><p>You\u00a0<strong>own a car<\/strong>\u00a0and need\u00a0<strong>low-interest funds<\/strong>.<\/p><\/li><li><p>You want to\u00a0<strong>keep driving<\/strong>\u00a0your vehicle.<\/p><\/li><li><p>You need a\u00a0<strong>longer repayment period<\/strong>.<\/p><\/li><\/ul><h3><strong>When Should You Choose a Personal Loan?<\/strong><\/h3><ul><li><p>You need\u00a0<strong>quick cash<\/strong>\u00a0for various expenses.<\/p><\/li><li><p>You\u00a0<strong>don\u2019t own a car<\/strong>\u00a0or don\u2019t want to risk it.<\/p><\/li><li><p>You have a\u00a0<strong>good credit score<\/strong>\u00a0and can secure lower rates.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca81e4 elementor-widget elementor-widget-image\" data-id=\"1ca81e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/02\/pexels-photo-7841821-7841821-1024x682.jpg\" class=\"attachment-large size-large wp-image-2027\" alt=\"pexels-photo-7841821-7841821.jpg\" srcset=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/02\/pexels-photo-7841821-7841821-1024x682.jpg 1024w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/02\/pexels-photo-7841821-7841821-300x200.jpg 300w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/02\/pexels-photo-7841821-7841821-768x512.jpg 768w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2025\/02\/pexels-photo-7841821-7841821.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ab77fa elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9ab77fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex max-w-full flex-col flex-grow AIPRM__conversation__response\"><div class=\"text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"80eca5ab-eb54-420f-955c-e1bd086a5eeb\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><div class=\"dad65929\"><div class=\"_4f9bf79 d7dc56a8 _43c05b5\"><div class=\"ds-markdown ds-markdown--block\"><h3><strong>How to Decide Between Car Refinancing and Personal Loans<\/strong><\/h3><ol start=\"1\"><li><p><strong>Assess Your Needs<\/strong>\u00a0\u2013 Do you need cash for a car-related expense or general use?<\/p><\/li><li><p><strong>Compare Interest Rates<\/strong>\u00a0\u2013 Car refinancing is cheaper, but personal loans are more flexible.<\/p><\/li><li><p><strong>Check Eligibility<\/strong>\u00a0\u2013 Do you qualify for a personal loan, or is refinancing easier?<\/p><\/li><\/ol><hr \/><h3><strong>Real-Life Scenarios: Which Option Wins?<\/strong><\/h3><h4><strong>Case Study 1: Lowering Monthly Payments<\/strong><\/h4><ul><li><p><strong>Problem:<\/strong>\u00a0Ali\u2019s car loan has high monthly payments.<\/p><\/li><li><p><strong>Solution:<\/strong>\u00a0He refinances his car, reducing his interest rate and monthly burden.<\/p><\/li><\/ul><h4><strong>Case Study 2: Emergency Cash Needs<\/strong><\/h4><ul><li><p><strong>Problem:<\/strong>\u00a0Sara needs RM20,000 for medical bills.<\/p><\/li><li><p><strong>Solution:<\/strong>\u00a0She takes a personal loan since she doesn\u2019t own a car.<\/p><\/li><\/ul><hr \/><h3><strong>Risks &amp; Considerations Before Borrowing<\/strong><\/h3><p>\u26a0\u00a0<strong>Hidden Fees<\/strong>\u00a0\u2013 Check for early settlement penalties.<br \/>\u26a0\u00a0<strong>Credit Score Impact<\/strong>\u00a0\u2013 Multiple loan applications can hurt your score.<br \/>\u26a0\u00a0<strong>Long-Term Debt<\/strong>\u00a0\u2013 Ensure you can afford repayments.<\/p><hr \/><h3><strong>Conclusion: Which is the Best Choice for You?<\/strong><\/h3><ul><li><p><strong>Choose car refinancing<\/strong>\u00a0if you own a car and want lower rates.<\/p><\/li><li><p><strong>Choose a personal loan<\/strong>\u00a0if you need flexibility and quick cash.<\/p><\/li><li><p><strong>Compare both options<\/strong>\u00a0before deciding!<\/p><\/li><\/ul><hr \/><h3><strong>FAQs About Car Refinancing &amp; Personal Loans in Malaysia<\/strong><\/h3><h4><strong>1. Can I refinance a car that\u2019s still under loan?<\/strong><\/h4><p>\u2705 Yes, but you\u2019ll need to settle the existing loan first.<\/p><h4><strong>2. Is a personal loan better for debt consolidation?<\/strong><\/h4><p>\u2705 Yes, if you have multiple high-interest debts.<\/p><h4><strong>3. How does car refinancing affect my car ownership?<\/strong><\/h4><p>\u2705 You keep ownership but the lender holds a lien until repayment.<\/p><h4><strong>4. Which has a faster approval process?<\/strong><\/h4><p>\u2705 Personal loans (sometimes within 24 hours).<\/p><h4><strong>5. Can I switch from a personal loan to car refinancing later?<\/strong><\/h4><p>\u2705 Yes, if you own a car and want better rates.<\/p><hr \/><h3><strong>Final Verdict<\/strong><\/h3><p>Both\u00a0<strong>car refinancing<\/strong>\u00a0and\u00a0<strong>personal loans<\/strong>\u00a0have pros and cons. If you own a car and need affordable financing, refinancing is ideal. If you need quick, flexible cash, a personal loan might be better.\u00a0<strong>Compare wisely and choose what fits your needs!<\/strong>\u00a0\ud83d\ude97\ud83d\udcb0<\/p><\/div><div class=\"ds-flex\"><div class=\"ds-flex _965abe9\"><div class=\"ds-icon-button\" tabindex=\"0\"><div class=\"ds-icon\">\u00a0<\/div><\/div><div class=\"ds-icon-button\" tabindex=\"0\"><div class=\"ds-icon\">\u00a0<\/div><\/div><div class=\"ds-icon-button\" tabindex=\"0\"><div class=\"ds-icon\">\u00a0<\/div><\/div><div class=\"ds-icon-button\" tabindex=\"0\"><div class=\"ds-icon\">\u00a0<\/div><\/div><\/div><div>\u00a0<\/div><\/div><\/div><\/div><div class=\"_88681e8\"><div class=\"_217e214\">\u00a0<\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c45dea elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c45dea\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32e8c62\" data-id=\"32e8c62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9769f83 elementor-widget elementor-widget-link-in-bio-var-4\" data-id=\"9769f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"link-in-bio-var-4.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-link-in-bio e-link-in-bio-var-4\">\n\t\t\t<div class=\"e-link-in-bio__content\">\n\n\t\t\t\t\t\t<div class=\"e-link-in-bio__identity\">\n\t\t\t\t\t\t\t\t\t<div class=\"e-link-in-bio__identity-image e-link-in-bio__identity-image-profile has-style-circle\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2024\/10\/c57d3bc1-c251-4807-b8ea-ad9671b2513f-300x169.webp\" class=\"e-link-in-bio__identity-image-element\" alt=\"Pajak Kereta Malaysia Online\" srcset=\"https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2024\/10\/c57d3bc1-c251-4807-b8ea-ad9671b2513f-300x169.webp 300w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2024\/10\/c57d3bc1-c251-4807-b8ea-ad9671b2513f-1024x575.webp 1024w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2024\/10\/c57d3bc1-c251-4807-b8ea-ad9671b2513f-768x431.webp 768w, https:\/\/www.perfectpajakcar.com\/wp-content\/uploads\/2024\/10\/c57d3bc1-c251-4807-b8ea-ad9671b2513f.webp 1344w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"e-link-in-bio__bio\">\n\t\t\t\t<h2 class=\"e-link-in-bio__heading\">More Articles<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"e-link-in-bio__description\">Explore our journey to a wealthy lifestyle <\/p>\t\t\t<\/div>\n\t\t\t\n\t\t<div class=\"e-link-in-bio__ctas has-type-button\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/understanding-vehicle-pawn-in-malaysia\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tVehicle Pawn\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/the-myth-of-vehicle-refinance-in-malaysia\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tThe Myth of Vehicle Refinance\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/vehicle-loans-against-collateral-malaysias-options\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tVehicle Loans Against Collateral\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/how-to-refinance-your-vehicle-in-malaysia\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tHow to Refinance Your Vehicle in Malaysia\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/car-pawn-loans-in-malaysia-get-cash-fast\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tCar Pawn Loans in Malaysia\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.perfectpajakcar.com\/refinancing-your-car-loan-in-malaysia-ultimate-guide-2025\/\" target=\"_blank\" rel=\"noopener \" class=\"e-link-in-bio__cta is-type-button has-corners-rounded\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"e-link-in-bio__cta-text\">\n\t\t\t\t\t\tRefinancing Your Car Loan in Malaysia: Ultimate Guide 2025\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-link-in-bio__icons has-size-small\">\n\t\t\t\t\t\t\t<div class=\"e-link-in-bio__icon is-size-small\">\n\t\t\t\t\t<a target=\"_blank\" rel=\"noopener \" aria-label=\"Facebook\" class=\"e-link-in-bio__icon-link\" href=\"\">\n\t\t\t\t\t\t<span 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Whether it&#8217;s for an emergency, debt consolidation, or a big purchase, two popular options are\u00a0car refinancing\u00a0and\u00a0personal loans. But which one is right for you? What is Car Refinancing? Car refinancing allows you to borrow money against your car\u2019s current market value. You keep driving your car while using it as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1984,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Need cash quickly? 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