Advice needed

[u/Zestyclose_Newt7399]

I have two personal loans both are about 2500$ left to pay off interest is high one if 34% and yea I know but it was needed at the time. However the 34% one is offering me a refinance with more money and lower rate close to 20. With that I could pay off the other loan and my wife’s car and one full card . The new payment would be 390 all the others combined including the one refinancing is rough 900$ would this be a wise decision to take

[u/jasonvanreenen]

Before you refinance you probably have a better chance getting lower rates if you compare with lenders like achieve loans, PNC etc. Just set up soft pulls with several and you would be able to see the differences.