Wow Rocket! I'm glad to hear of your rate. I was going to try Roadloans when I was ready because I'm worried that my credit union and other places won't approve. Do you mind telling me what kind of scores you had and what they pulled?
I don't know if you are eligible for membership into Navy Federal but I just refi'd my car loan today and saved a few bucks. 6% which is not the best rate but decent. Knocked off 6 months of payments and saved $2500 bucks in the process. GAP cost only $200 included in the payments and they deposited a check for $100 into my money market fund. I love NFCU.
I was very surprised and happy about the rate. It was better than what the myfico predicted I would get for an autoloan. I dropped 10 pts though on my Experian report, because they claimed it was a finance company account. I figure my autoFICO must be pretty good, with two TLs and just a few lates each...
With 6-8 months to go, you have lots of time to increase those scores! Mine went up 100 points in 5 months from really paying down my credit cards and disputing erroneous accounts. You would still get approved for a car loan though. My score was about 550 when I got a Blank Check loan from Citifinancial, APR was not great though (~10%); which is why I would like to refinance soon!