Probably not, but it depends on how much the car is worth and what Loan To Value (LTV) they go by. For example, Cap1 only does an 80% LTV or better, so at 84%, they won't touch it. Credit unions can go as high as 125%.
DCU will allow you to finance up to 120% of the car's value.
When I recently refinanced with them value they gave for my car seemed to be higher than the Galves book (what dealers use for trade ins).
With DCU you could find yourself at less than 1/2 the interest rate potentially saving $100/month or more. Even if you had to meet them 1/2 way and pay $750 to get it refinanced with them at IDK lets say 4.74% it's a huge win.
Join DCU and that credit inquiry they use to open the account is used for that car loan too.
Eventually you will be right side up but at 25% I think the next year or so it's just going to get worse and you are better off refinancing as soon as possible.
They have a car loan hotline maybe call them first before applying see if they can tell you the value they put on the car or the max they would loan on it?