<prompt> Human: I bought my first new car a little over a year ago. Being my first car, I got a pretty bad APR at 8.99. I am in the process of looking to refinance my car. I got an offer through National Auto Loan Network for 2.49nbsp;My current loan I have 14,253.12 owed. My payments are 320.06 and Ive got 54 of them to go. Again it is at 8.99 APR.nbsp;The offer Ive got from National Auto Loan Network looks like its got a lot of fees. I would put down another 7,000 on my loan so I thought I would be financed for the difference of my current loan. I currently owe 14,253.12 so I figured put down 7k Id be financed for 7,253 however the paperwork NALN emailed me shows me being financed for 8761 with total payments of 9251.52. Ive got a finance charge of 490 and a GAP fee of 800. Should I ditch the GAP fee? Are they giving me the run around? Any insight is greatly appreciated.nbsp;TLDR; Current Loan: I owe 14,253.12 with payments of 320.06 for 54 more months at 8.99 APRLoad 2 Put down another 7k on my car so Id owe 7,253.12. Payments down to 192.74 at 48 months. However with a finance fee of 490.52 and a GAP fee of 800 the total I pay is 9251.52  <response>: I think your best bet would be to put the 7k down on the current loan. Then you would be done in 2 years. 