Good luck,  please update us.  I have a current auto loan with Navy Fed. and my interest is 12.79% with a credit score at the time of 576.  I tried a couple of re-fi options today with USAA and Wells Fargo, both denied with a current score of 598.  I probably should have waited until my scores were at least 600.  However, I got on here and saw some success stores of re-fi with scores lower than my current 598 and figured, what the heck.  Well after two know downs, my confidence in re-fi is pretty low right now.