<prompt> Human: From California: My friend just bought a used 2013 car yesterday. She financed through the dealership and signed up for a 15 APR loan. This sounds high to me - her credit is in the high 600s I think she said Credit Karma told her 690 - not sure how accurate Credit Karma is though. Her credit would be higher but shes young so doesnt have much credit history.So I have a few questions...1 Is it possible she just got a bad deal or would most other agencies give her a similar rate?2 Should she refinance? Would it affect her credit negatively if she refinanced? 3 If she should refinance, where should she apply i.e. a credit union, regular bank, someplace online, etc.? They dont tell you your rate until youve applied, and multiple credit inquiries at the same time may not be good - so which type of place would give her the best rate?Thanks in advance!  <response>: She can talk to multiple banks, credit unions, etc. and see what rate they would give her. Then determine whether she should refinance. You have to APPLY before knowing the rate, but you dont have to sign for the loan. And shopping around for a loan wont make multiple hits on her credit because they are all happening at roughly the same time. 