Bought a car, curious if I can get a better rate, maybe NFCU?

[boomhower]

Me and my wife bought a new car a couple days ago.  4.9% 72 months through Nissan.  Got an extra $1,500 rebate going through them.  Now considering an immediate refi if I can get a better rate.  Our FICOs from the dealer was 687 for me and 658 for my wife.  <10% utility and 24 month old BK.  Financed $33k so a percentage point difference would save some cash.  Thoughts?

[Anonymous]

That BK is the only factor going against you.  You already have the HP for the loan with Nissan so since you are close in time to that inquiry I would apply with NFCU or Penfed and see if they can beat it, well worth the hard pull to potentially save a decent amount of money.  No sense in paying any more interest than you absolutely have to.  Let us know how it turns out.