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British Credit Trust

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Hi all,


I have a car loan with British Credit Trust on a high APR (36% I think). I was just wondering if anyone had ever changed cars whilst still with BCT? I feel like getting a new car and was wondering if I refinance with BCT will my APR come down as I have a good history with them (0 missed payments)


How long do you have to be with BCT before you can refinance?


Many thanks

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