Refinance Good Bank

[NiNoMArksLA]

Hello I wanna Refinance My Car It's At 24% APR from Santander $504 Monthly Payment
And wanted to apply in 2-3 months what's the best bank where I can get Appoved with under 10% And I have Negative equity $4,000
Payoff $19,000 Kbb 14-15k

Had for 8 months on time payments
Chase UsBank Wells Fargo Citibank Credit Union Near Me

Have a Co Signer With 690 Credit Score From TU Ture Score From Car Dealer

I Put $1,000 $1,500 Down Only

[sccredit]

If you're upside down you likely will have to come up with some cash to be able to refi

[NiNoMArksLA]

Yeah I know I have like $1,000 $1,500 Down To Put where should I go and do banks care about inqs?