I got a used car loan back in September 15' for a little less than 6k but at a near 15% rate. Well now that my credit has improved by 60 - 70 points, I was wondering if I could get a lower rate. Problem is my loan doesn't meet a lot of the requirements for some lenders. I am looking for a lender that will refinance a loan with a payoff around 5200, also for a car that is 9 years old and has 118k miles on it.