My Spouse Refinanced Our Car And Didn't Ask Me

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 21 February 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:04.3	Start budgeting for free today.
0:06.7	My husband refinanced our car, and now we have a 25% APR and wondering what we should do.
0:13.5	Oof.
0:14.7	Oh, boy.
0:15.4	What caused this refinance?
0:18.7	So we had...
0:20.1	What was the original APR?
0:22.7	The original was 14.
0:26.1	And
0:26.7	he
0:28.6	was trying to get money to pay
0:30.6	some things and decided to take
0:32.6	out $3,000 on top of
0:34.5	the car loan. And
0:36.7	that's what happened. Yikes. Why would we do that inside of the car loan and that's what happened.
0:38.3	Yikes.
0:38.6	Why would we do that inside of the car loan?
0:41.6	There's so many ways to get 3,000, even though it's a terrible idea to go into debt for any of it.
0:45.9	But why refinance the car loan to get 3 grand out?
0:49.6	I think because it was the fast, well, so he had originally applied for a personal loan, but his credit wasn't very good. And so they told him that he could do it through the car loan as like a secured, I don't know. Yeah, it's a secured debt. He didn't involve me in the car. And so they go, if this guy can't pay, we get a car out of it. So we're willing to do it. Oh, and by the way, his credit shot, so the APR is 25% because he's a risky borrower. So I want to dig here because you laid it out for us very clearly. And you said, what do we do? Is we involved here? Is it just you? It sounds like he made a really desperate move. Yes, he did, and it is we
1:30.2	involved. But yeah, I wasn't included in that decision, so. Yeah, but he's now going, okay,
	...

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