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你知道你的车能做的不仅仅是载你去不同的地方吗? It can also help with your money situation. 这里有三种不同的策略，你可以利用它们来最大限度地发挥你的汽车价值.
Traditional auto refinancing.
A traditional auto refinance loan 允许您将现有的贷款替换为具有更好条款的新贷款. 所有未来的付款将用于新贷款.
How would I benefit?
Think of traditional auto refinancing as a trade-in. 你把旧的汽车贷款换成了一笔条件更友好的新贷款. 它可以十大网投官方入口获得较低的利率，在贷款期间为你省钱. Additionally, refinancing can lower your monthly payments, giving your budget some much-needed breathing room. 如果你选择短期利率较低的贷款, 你甚至可以更快地还清贷款，节省利息.
Not sure if refinancing is right for you? Using an online savings calculator 能帮你确定你在处理数字，看到你潜在的节省吗.
Cash-out refinance loan.
With cash-out auto refinancing, 你可以从你的汽车价值中提取现金，用于任何目的. The catch? The new loan is more than what you owe on your car. 但是多余的钱是你想怎么花就怎么花.
Give it to me straight. Is that a good idea?
If you need cash fast, 套现再融资贷款可以为意外成本提供财务缓冲, like medical bills or home repairs. 这也让你有机会与不同的贷款人合作，他们可能会提供更优惠的利率和符合你预算的条款. If you have other debts, 使用现金再融资贷款将它们捆绑在一起可以降低你的整体利息支付，并可能减少你的月供. (如果你正在寻找其他的选择来巩固你的债务，考虑一个 debt consolidation loan)
However, there are also drawbacks to consider. 如果您选择在您的再融资贷款中添加现金支取, 你可能需要延长你的贷款期限，以使每月的付款负担得起. 这意味着你需要更长的时间来偿还你的车. Additionally, 现金汽车再融资并不总是保证较低的利率和较小的月供. 如果你选择一个较长的贷款期限来减少你的月供, 从长远来看，你最终可能会为这辆车支付更多的钱.
Auto Equity Loan.
汽车股权贷款就像用你的汽车价值作为备份获得第二笔贷款. 你必须同时偿还原来的汽车贷款和这笔新贷款, 而不是替换你现有的贷款(比如套现再融资).
Break it down for me further.
Similar to a home equity loan在美国，汽车权益贷款是一种基于汽车价值的贷款. 如果你的车全部还清了，贷款可以达到你的车的全部市场价值. 如果你还欠贷款，权益就是汽车的价值减去剩余的贷款余额.
例如:如果你的车值2万美元，你欠它5000美元，你就有1.5万美元的权益. That's the maximum you could borrow in this case.
然而，你可以借到的最高贷款金额取决于贷款人的政策. 一些贷款人允许你借你的全部资产，就像前面的例子中的15,000美元. Others may offer loans up to 125% of your equity, which would be $18,750 in this case ($15,000 x 125%).
汽车股权贷款由于其抵押性质，具有利率较低等优势. 在某些情况下，它们可能比无担保贷款更容易获得，而且不需要房屋所有权. However, 管理多重贷款和失去汽车的风险，如果你不能支付是重要的考虑因素. Additionally, 为汽车股权贷款寻找贷款人可能很困难，因为这种贷款并不普遍.
Don't own your car? 协商租赁条款或考虑租赁买断贷款.
如果你租一辆车，这就像付钱给一家公司使用他们的车. When the lease is over, you have a few choices:
- Return the car and don't lease another one.
- Swap the car for a new lease.
- Buy the car with cash.
- 用贷款购买汽车(这被称为租赁买断贷款)
Before the lease ends, 你会发现买这辆车需要付多少钱. This is called the residual value. 经销商可能会建议你向他们申请租赁买断贷款, but you can also get a loan from other places, like banks and credit unions.
Relevant article: 关于经销商提供0%融资的真相
在选择租赁买断贷款时，我应该期待什么?
When you buy out your lease, you become the owner of the car, 给你自由作出修改和驾驶没有任何里程限制或超额费用. 你也可以在任何时候卖掉这辆车，用这笔钱买一辆新车. This eliminates the continuous lease payments, 腾出预算中的钱用于其他财务目标.
However, your monthly payment may increase because loan payments are usually more than lease payments. 你可能还会失去一些福利，比如免费保养和汽车维修.
Ultimately, 是否买断租赁权取决于你的个人喜好和经济状况.
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