The question may be what is the car worth verses what you owe. If you did not put a good chunk of change down, refinancing will be difficult. In the current credit market and used car market, that car is probably worth maybe 75% of what you paid for it and banks are looking for 80% of value or so for loans in alot of cases...For example, if you paid 25K it is probably only worth around 18 or so now. That would translate into maybe a 15K loan or so on a used or refi loan.
this is not across the board and there are exceptions, but in the current situation, any car loans are hard to get and banks are not doing any negative equity financing. Having had the car for only a couple months, it would definitely be a negative equity situation unless you put a good amount down.
