<prompt> Human: So I was stupid and bought a new used car at a bad rate and need to refinance. I know my choice was stupid and regret doing it, but at this point Im kinda stuck with it. Basically my current rate is just over 9, which is ridic for a car. My credit score is decent around 680 FICO, not great, but not terrible. I plan on applying through my credit union, but was hoping somebody could point me to a good place to shop around. CreditKarma is showing me offers around 4.75 with no fees or anything -- I know with better credit people can get 2-3, does that sound good for my credit history? Obviously it is much better than what Ive got now. Another question: I have built up some decent savings since purchasing the car. Would putting extra money down on the refinance help get a lower rate like it would for a new loan?  <response>: Credit unions offer some of the best financing...with the added advantage that they already have a relationship with you. Ask your credit union if putting more money down will help get their approval or lower your rate.Good Luck! 