<prompt> Human: Basically, Id like to ask my bank for a lower monthly payment on my car - interest rates are ABSOLUTELY KILLING ME and it kind of sucks. I pay as much for my car as I do for my house payment, and thats just nuts Granted, I got a GREAT deal on the house - dealerships bank was used for the car loan.Any advice? I mean, I suppose I can deal with it if I absolutely HAVE to.  <response>: Yes but usually its based on credit score. You may get a better refinance deal thru another bank or credit union. 