I'm not so certain such animals exist; credit cards are designed for short-term float, not extended periods (ostensibly). As a result, I suspect most if not all have a time limit associated with it.
On pretty much any installment loan, the first couple payments if you pay the minimum will barely scratch the principal; kicking extra money in during the early part of the loan can shorten it tremendously.
I'm not an expert though; there may be something out there but it'd likely be more effective to get a different loan type, secured against some sort of asset, to refinance it down if that's the goal.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)
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Starting Score: 675
I just got an offer in the mail the other day for a fixed rate for life for any BTs completed in the first three months. I think it was 8.9% and with First National Bank of Omaha. I'd look it up for you but I tossed it.
ETA: just noticed you were trying to get something lower than 8.5% so this wouldn't have been of interest anyway. But maybe it provides a data point for what kinds of things are out there.
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