<prompt> Human: Hey guys. Im about to refinance my car through my credit union. Its a 2013 Ford Focus. I owe 9,300. My current interest rate is 4.75. My credit union offered me a rate of 2.69. I have 1,800 in savings but very little cash on hand in my checking out. Should I put down the entire 1,800 on the car? And refinance 7,500 or should I keep 1,000 in savings for emergencies and put down 800 and refinance 8,500?Im 22 years old and live at home... so my car is currently my biggest expense. Im trying to get it paid off as fast as possible but am undecided here.  <response>: I would just lower the rate, and not put any money down. 2.69 is really good interest rate, and Id feel better with having a decent sized emergency fund. 