We refinanced an ATV purchase that was originally through Yamaha after 2 years through a local credit union once the low interest introductory period was over. The interest rate offered by the credit union was significantly less than Yamaha was offering. We later used the credit union for an auto loan and again received a significantly lower interest rate than anyone else was offering. One of the nice things about our CU was that if you are applying as husband and wife they used the higher of the FICO scores to determine the interest rate. Don't know what your CUs policies are. I would definitely check it out if you can get a better interest rate. One issue you may run into though is that our credit union would only loan based on the value of the car and if you were upside down when you originally purchased, you may not be able to get enough to pay off the existing loan.
