<prompt> Human: Pretty much like the title says, my girlfriends auto loan has an insane interest rate. Basically she didnt have a job when she got her car, so she got kind of screwed. Since then, she worked for roughly 11 months, then we moved to Seattle and she has had a new job for a little over a month now. We want to get her loan refinanced to get a better interest rate, but we dont know where to start. Is there a website or tool that shows which banks or credit unions have the best interest rates?Assistant: Also check how much the car is worth vs what she owes. Nobody will refinance a car if youre badly upside down on it.Human: Its a newer car so it has some value to it, but she still owes a good amount.  <response>: It wouldnt matter if its old or new, what matters is the difference between what is valued at and what she owes. With how fast depreciation sets, the high interest and the short time shes had the loan she could very well be under water with the car. If thats the case no one will refinance. She would need to pay it down further before that by either keeping the high interest loan for more time, paying more than her minimum or both. Hopefully she isnt in a bad position and can get this done. 