<prompt> Human: I financed a 2012 Hyundai Genesis from Credit Acceptance.Was 23 whenever I brought the car. Currently 24The following are the terms of my loan:Amount: 23,429 est total cost, Principal of 13,240 est total interest of 10,189Interest: 22.97 est APR I pay 355 monthly personally rather than the estimated required amountLoan Term: 66 monthsDown Payment of : 3,000 exactlyI have paid 11 installments on time and was wondering if it would be a possibility to refinance this loan at a lower rate of interest. My current credit score is 645 between two credit card reporting agencies.So far by checking my current loan on Credit Karma I see that I have 1,156 in total but this interest is killing me im pretty much moving in slow motion.If refinancing is a possibility, what is the best way to go about it? Would the request to refinance result in a hard check to my credit score?Thanks!  <response>: I wouldnt be surprised if a loan like this has a prepayment penalty, wherein you would pay the interest regardless. Check over the contract for details. 