<prompt> Human: I just finished my phone call with my current lien holder, Wells Fargo. I got my car this past January for an apr of 10.99. I called today after a whole year of timely payments and was surprised how easy it was to refinance I had 61 months left on the loan with an apr of 10.99 to a 60 month loan with an apr of 8.34. This to me seems that more of my monthly payment will go to the principal and less to the interest and that I will not have to pay one month. My payment went from 328 to 318. My Fico score that I viewed from my WalMart credit card hub is 717. Is this a good deal or could I get a better one? I do not believe there are any fees but if someone has refinanced with wells Fargo please give me some input.  <response>: Thats a horrible rate for someone with a FICO score of 717. Try credit unions where youll probably get 2.5 to 4 with that score if your score is truly 717. 