Refi question

[bellrod44]

Do you think it's worth it for me to refi my 2013 Kia Optima? I bought it in May 2013 with a 6.9% interest rate. My score has gone up about 25-30 points from the time of the purchase. If you think it's a good idea, who do you suggest going through?

[Remember0]

Impossible to say without more deail:

Current FICO? Which bureau(s)?

DTI (Current auto loan + rent/mortgage + aggregate total of minimum payments on latest statement from all cards even if paid in full)/(Monthly pre-tax income)?

Util on cards?

NADA Retail Value of car?

NADA Trade-in Value (clean trade)?

Current loan principle amount?