You might get a rate between 7.5-8.9%, however it might not be worth it. Since vehicle loans are simple interest, your current loan’s payments have gone mainly to interest and not the principal balance. If you take out a new 60 month loan, even though you might have a lower rate, you might end up paying more for the car in the long run.

I would go to http://www.bankrate.com click on calculators. From there, you can plug in your original loan figures and see how much interest you have already paid towards your car. Next, plug in the new figures and add that interest to the amount you have already paid. This will give you a clear picture of whether or not refinancing is even a good option. Good luck and I hope this helps.

http://www.theautoevaluator.net/Refinance.html

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