Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to get your ex off a car loan [title] Ask the lender if you can refinance. [step] When you refinance, you get a new loan. As part of the refinancing process, you can have the loan put only in your name.

Ending1: Don't let your credit deteriorate even slightly without a longer notice. The last thing you want is for your ex to transfer your money to another lender, if she did so before you had applied. Ending2: This is never a bad thing, but it does have a negative impact on your credit rating. [substeps] Your loan will also likely end up making inaccurate payments if you don't pay it off as quickly as possible. Ending3: Call up your lender and ask if you can refinance. [substeps] If your lender won't refinance, then you could find a new lender who will. Ending4: The lender will pay off the entire balance on the loan. Before you refinance, ask the lender if you can " refinance " the loan on your home.

Answer format: ending1/ending2/ending3/ending4