I need some help, I currently have a car payment of $421 which is killing me because I work part-time 
and I can barely pay it, I'm having zero luck finding a full-time job since graduating college last June. I've tried to refinance w/ capital one but didn't get approved and I've also tried to get a personal loan & refinance at wells Fargo but got denied a couple days ago, does anybody know where I can get a $8000 loan to pay the car off and have a smaller payment with the loan?? I live in California, have one collection account that I'm disputing but that can take a while to fall off, I have a couple of paid charge off's from 2005 and some late payments on my car loan. Have 4 acct's in good standing.
EX:580
EQ:630
TU:585
Starting Score: Ex: 580 EQ: 608 myfico TU: 585
Go the auto-loan refinance route rather than the personal loan one. Secured loans are ALWAYS easier to obtain than unsecured ones, and out of the traditional loan types, auto loans are far and away the easiest. The only personal loan you're going to qualify for would be something like Cashcall, and in getting a large enough loan to help you right now, that's just going to set you back even further financially.
The other question beyond what Pizzadude asked: how much is your car worth right now (blue book value or whatever). If you owe more than it's worth, it's a challenge to refinance, That said, Capital one is wierd and very picky, you probably would've had better luck at Wells even for an auto loan. It seems strange but I got an auto loan for a used car from Wells and Chase, but I didn't from Cap One,,, and you can see my current scores in my signature.
A little math: even a 3 year refinanced auto loan for 8K, at 20% APR, cuts your payment down to right around 300 / month. If you have decent equity in the car, you can probably do better than that even rate wise, and you might be able to get a longer loan term. I don't know how they're going to look at the lates on the auto-enhanced pull, but in your situation what you're trying to do is buy time to find a job and get stable income.
Your other option if you still have some value left in the car, go trade it in for something else and see if you can get enough value from that to bridge the gap you need to get financing on a different, cheaper, vechicle.
I know the options all sort of suck, but without a car it's much harder in most places (especially in CA, our mass transit is terrible in most cities) to get to work even if you find it... and both are miles better than simply letting them repossess the car and charge you off.
Pizzadude,
Im currently paying 18% with toyota, I dont care what the interest rate is just as long as I can extend the loan and lower the payment for now, eventually when I find a ful-time job I will pay off the loan asap. I got denied at WF but the loan was from 11-20%
Revelate,
I am upside down on my car, I owe about 8000 and my car is worth 5500 so I couldn't refinance with capital with a cosigner or WF, and I did try and trade it in but didn't qualify because of income. I don't mind getting a high apr for now because I am trying by time right and save money until I find a stable full-time job once I have a job I will pay off the loan.
I got my 3 scores from EX and also when WF & Cap1 pull my credit it was the exact same scores as EX had listed.
All my money goes to paying the car, I live with my sister & she helps me out a lot, I don't pay for food, rent, or cellphone! I was one month behind but always tired to pay what I had so I never get a late payment mark on my CR, my brother helped me out and gave me $500 so now I need to pay this month but my check is going to come out to $300 
I have actually applied everywhere stores, restaurant, schools and had a couple of interviews but never got hired. I am tutoring and I would be OK if my morning client didn't cancel all the time because then I would work 20 hours a week at $14 an hour I would be able to pay but she always cancels..My Equifax score is what I got from wells fargo and HSBC..I'll look into scorewatch then I am currently using freecreditreport.com but everyone says it not your real score which I didn't know there was a difference 
keep tryin tictoc. I used to work with offenders coming out of prison and everyone says "those that want a job get a job" and I can verify this is true. Not such a wonderfully fun or meaningful job, but a job. If a person with felony (or 10), coming fresh out of prison, can get a job, then a college grad can too! Just keep at it every day - making find the job your other part time job. Hell, try working at a call center for a collection agency! 
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Yep, cancel freecreditscore and apply that money here, before the sale ends. I started at freecreditscore, too. It's a FAKO score from Experien. I'm much happier with scorewatch bc at least with the Equifax score here, you know it is likely to be used (more so than the transunion they sell here).