I pulled the trigger today as my credit picture is not going to get much better anytime soon and I wanted to refi my car. I got the "range" of APRs they might offer, the lowest being 2.99, the highest being something I would never agree to (11% ish?) I'm currently at 5.74%. My current EQ score isn't so hot, 669, but like I said, it's pretty much all UT that isn't going anywhere soon as I'm taking advantage of 0% offers and the dust is settling post-home purchase. Just hoping I didn't take a hard pull for nothing and get a crappy APR or, worse, declined. 
What I found to be successful was to indicate to the review committee what my acceptable range would be. I told them "I am currently paying x% with current lender. You guys gotta be better than y% to make this refinance worth it to me. I don't know if it helped but the rate they gave me was better than y%
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Turned out to be a HP for nothing after all. I was approved, but with a 7% interest rate which was higher than what I have now. Then they kept trying to sell me on a NEW car, but I'm not interested, I just wanted to lower my payment/interest. I declined the whole package, guess I'm stuck at 5.7% for another few years.
5.7% isn't too bad. I'm sure in a year you will be able to get a better rate. Congrats on the home! You credit will skyrocket in a year because you have a mortgage.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014