Hey Monro... you can also try Capital One Auto Finance or HSBC Auto Finance along with a local bank or credit union. If you have a bank or CU, I'm sure a loan officer or branch manager would gladly sit down with you to understand your situation... and even if they cut your rate in half to 12%, they're still making a very goot return on the loan and you just got yourself into a much better loan situation.
Also, if you have six or seven months of re-established auto loan credit you will have a better "auto-enhanced" score if that's what a new lender uses. "Auto-enhanced" scores are geared to give a lender a more "auto-loan" risk picture of a borrower, and it sounds like you've done a good job handling your loan even at such a punitive rate.
Oh... and read read READ that contract very carefully to see if there's a fee or penalty for paying it off early. I doubt there is one, but you want to be sure!
Dang those predatory car dealers and car loan companies... they oughta be shot for screwing you at 24%, but in the end, you signed the deal knowing what the rate was. Put it all behind you and GO GET THAT THING REFINANCED... run, don't walk! And let us know how you come out!!
Message Edited by CreditHawk on 07-07-2007 12:32 PM