I have about 30 months left on a auto loan witih Wells Fargo Dealer Services with a 16.99% interest rate (yes, crazy high but they were the only ones to approve me during my financial meltdown 2.5 years ago and I needed a car). My local credit union has since approved me to refi at 6.99%! so excited. I asked for a 30 month loan so I am not extending the term of the loan and will apply the difference between my new payment and old payment to the principal of the loan and pay it off faster. My credit score has vastly improved in the last 18 months (rehabbed defaulted student loans, lowered utili on cc's, got a mortgage). Good luck to everyone else out there car loan shopping!
Starting Score: TU 649 EX 632 EQ 603(6/15)