sup ppl glad to get sup feed back from everyone. i went last weekend to Tampa bay ferderal creit union and they offered me a 5.8 interest rate from 8 that I have now. My credit is near perfect. I did not get the refi cuz the car is valued at 20,500 but i owe 25,000. They told I need to give them 2 g's to get the refi. I am going to check other banks to c if i get the same answer.