There are more factors around how/when to refinance than your score.
One critical factor is the loan to value.
How much do you owe on your car?
How much is it worth according to the NADA guide?
Most lenders will not loan more than 110% to 120% LTV.
If it's a new car it is depreciating faster than a used car.
If you did not put much down and are paying 19% interest it could be years until you are right side up enough to refinance.
Now putting aside that pesky loan to value, the time to refinance is when you can save money.
We need more details to give you a better answer?
Is there a bankruptcy on your report? If so when was it discharged? Many good lenders like DCU will not approve a car loan until 2 years post discharge.
Also why is your score so low?
What score is 582? Is that Credit Karma, a FICO score, which one.
Do yourself a favor and subscribe to MYFICO for a month and get the full report that not only lists your3 FICO scores but also includes your FICO mortgage, FICO car loan and other scores.
Then when you know the facts you know what to do. DCU uses Equifax Mortgage score. If that's even 620 and you don't have recent negatives and any bankruptcies were discharged 2 or more years ago it might be worth a shot. Even if it only cuts 5% off your interest rate it's a savings today and as your score improves you can refinance again. I had a Mazda at 19% then 11% then 4.99%.
Let us know all of your scores and what you owe vs what it's worth then we can better recommend.
If you have unpaid collections that are recent you might need to address those first.
Lastly don't be nervous about getting your scores. At times Credit Karma has been 100 points higher or lower than my actual FICO scores and sometimes my mortgage scores are higher than my FICO 8. Go figure.
