I bought a 2016 Mazda CX-3 in late August 2017, a trade-in at a Tucson Honda dealer with only 18k miles. They were asking $18,500 when I first looked at it & test drove it in early August and wouldn't take my offer of $17,500 so I walked away. I kept watching it online, they lowered the price to $18k a week or so later and then when they lowered it down to $17,500 I drove back in and got it for $17k with a pre-approved loan from DCU, which ticked off the finance guy - I didn't mention my pre-approved loan until after I got the price I wanted and got to finance. 
I love the car, and it now only has 50k miles as I'm single and drive my 2003 Kia Sorento SUV (bought new) to work & errands, saving the miles on the Mazda as it's a keeper. Well, last week my local credit union, Vantage West, emailed me a "sale" on car loans "as low as 1.99%". It took a little haggering but I refi'd the 2016 Mazda loan for 51 months at 2.49%. And they valued the Mazda at $16k, only $1k less than I paid for it 3 years ago, so they agreed to a loan amount of $10k.
The thing is I only owed DCU $7k. The payoff just posted today, DCU paid off the loan and posted the $3,017 'surplus' to my savings account. 
My thinking? I'll take all the $$$$ they want to send my way at 2.49% for 4+ years, and it lowered my payment from $250 to $200. No shopping sprees, I do bank account bonuses.
Congrats on the refi!!! It pays to be credit savvy!!!
Congratulations on your success! Thank you for sharing the information.
Congrats, nicely done! 🤑
Savy and a wise one you are, says the Jedi Master!
Congratulations on the very nice approvals👍😎