<prompt> Human: I recently responded to a letter sent to me from capital one about refinancing our 2011 car. Currently we have a 9.5 loan which for a lower credit score was a little expected. We are trying to recover from the score and we planned on refinancing in the future. So I submitted the e-application and they approved with a 6.x percent rate but were going to charge a 2000 refinance fee. It acts like it will save us in the long run and will save 60 a month but is a refinance fee that large typical for a car loan?Edit: sorry should have been more clear, my current loan is not with Capitol one and the loan is for 15k and just got the 60 month loan 6 months ago. Im really just wondering if a 2000 fee is normal for refinancing a car loan. It was very simple to fill out and seems pretty high of a charge when I will already be paying them thousands in interest. So if this is normal then so be it and Ill possibly use them but will still do around to find lower rates.  <response>: 2,000 seems ridiculously expensive... the credit union I work at charges 85 to refinance an auto loan 