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I have crappy credit and just refinanced my car through capital one auto finance. I think my score was about a 577 FICO when I applied.
My rate dropped from 15.99% to 10.26%. I had 60 months left and about $17500 ($430/mo) approximately left on the loan and refianced it for 48 months (@$450/mo) and the payment only went up $20 . I think I will end up saving about $4k.
I agree with the other posters...don't sign on to his debt especially when he is not officially your spouse then you might not get married...got forbid and you'll be signed onto the duration of the loan. Not a good idea.