We bought a new van from Toyota.  My former Chrysler had a serious issue with the brakes and we had been ping-ponging back and forth with corporate.  Not worth my family's safety.  Bought a Toyota.  With credit scores of 604 and 624 we fell in "tier 7" to be financed at 12.5%.  Our payment is $674.  HIGH!!!  (Of course, we made the choice...so please no one be ugly)...with our scores, should we press our luck to have it refinanced like at our local credit union?  Toyota runs a deal that in 12 months, we can trade in our van and get tier 4 automatic financing for 2.9% after 12 successful payments.  Should we wait our year out or refi?  Anyone have a recommendation who to refi with?  Anything would be appreciated.

Thank you!