It's a variable rate currently at 8.5% with a $50k available credit and $0 balance.
My question is: should I use my HELOC (same credit union) to payoff the car loan to get my monthly payments down to where we're comfortable with? I opened the HELOC last year without any intention of using it (just as another source of funds as a last resort type of thing). The loan contract explicitly states the monthly payments will be $561.98 regardless and they are not willing to modify the contract. I called and emailed their loan department but it doesn't look they they are going to budge. How does one get the data into firefly or any personal finance app I am not ok with sharing the net-banking password with any 3rd party or non-opensource software. The current payment is $561.98 and I expected the payments to drop to ~$302.
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