Should I refinance?

[Corifto]

I'm almost at the one year mark with my loan. 

I got it through GTE for 15,373 out the door at 3.24%.  My score was ~650 this time last year.  I'm now at 705/691/705 and expect a bigger jump in the next month due to some payoffs.

I have 12,967 left in the loan with ~48 months left.  I'd be interested in looking to get a lower interest rate and either move it into a 36 month loan to pay off quicker, or keep the 48 and just try to pay off more each month.

It's a 2013 Mazda 3 with 45k miles.  

Trying to determine if I should do it before I start shopping.

[Chris679]

Rate is pretty low already, hard to imagine you can do much better. No need to shorten the loan you can just pay it down faster.

[Corifto]

Yeah it's technically a 3.49 with .25 discount for auto pay. So I'm just thinking about seeing if I can get something around 2% including the discount.