<prompt> Human: So my wife and I have a 60-month lease on a vehicle car made in 2013 that started out at 12k it is now 9.4k. The car dealership obtained our loan from BBT. It is our only debt.My wifes grandmother co-signed the for the vehicle her credit score is 800, and our current interest rate for our vehicle is 3.5. My credit score is in the mid 750s. I would like to switch the auto loan to a different bankcredit union and get the interest rate lower than the 3.5. Is this possible?Will anywhere I go check my credit score hard check?Edit: Car payment per month is 188. We always pay 200 per month. I have the option of paying 250-300 per month but am putting the extra money in a Roth IRAEdit: Is it worth hard checking your credit score for .5-1 lower on a refinancing loan, assuming I am offered? Asking this question because I plan on attempting to get a home loan this year as well.Assistant: If you have an existing relationship with the credit union, just go there and tell them youd like to refinance and see what they say.Human: Ive been with the credit union for years. I have an excellent relationship with them  <response>: Go there and apply for a loan. Reddit has no idea what terms they will offer. 