Refinancing Question Roadloans now or NFCU later or both?

[Anonymous]

My BK was discharged Nov 2, 2015 and 25 days later I was able to get a new Honda Civic LX Coupe financed through Honda Financial with a 17.75% rate for 72 months.  I applied at Roadloans today and they will refinance me at 12.99% for 60 months which will lower my payment about $30.00 a month and save about $2,800 for the life of the loan or I could lower my loan payment about $80.00 a month if I go for 72 months which I think is not good. 

Roadloans said I could refinance with them in 6 months for a lower rate.

I could refinance possibly with Navy Federal CU but I would have to wait 1 year post BK before I could apply.

Would it be a good idea to refinance now with Roadloans to lower my payments and shorten my loan term or should I wait till 1 year BK and see what rate I could get with NFCU?

My FICO auto enhanced seem to still be below 600 at this time.

Unfortunately, I can't go with Capital One Auto since I burned them in my BK and burned Capital One with a couple credit cards.

[Anonymous]

Got the documents and can see the actual payments for my 2015 Honda Civic Coupe LX.

Here is the breakdown from Roadloans:

APR = 12.99%

Finance Charge = $6,578.88

Amount Financed = $17,673.12

Total of Payments = $24,252.00

Monthly payments = 60 months X $404.20

Savings of $19.80 per month

Now I am not sure if it would be worth going with this loan.  Since I would only be shortening by 2-3 months and my next payment would be due in 30-45 days.  But I guess my main question is would this in the long run help my credit score and make it easier to refinance with a CU or not?

Or would it be better to stay with Honda Financial and wait till the end of the year?

I have read mixed reviews about Roadloans.  Roadloans sent me paperwork with my CS with Experian was 577.

[sccredit]

If it were me I would wait and use NFCU at the 12 month mark.