<prompt> Human: Firstly, I would like to thank everyone in PF for helping me get my finances in check. I went from a very low 600 CS to over 750 in 12 months.I am trying to decide if I should refinance my auto loan. I am currently with Chase and have around 9300 left at about 10.1. I was thinking about refinancing with my credit union now that my finances are in order and my credit score is up significantly. Some pieces of information that may affect this decision are:Looking to buy a home with my fiance within the next year and I am not sure if refinancing is going to hurt my credit score.The original loan was cosigned by a family member and I want to get their name off the loan if I were to refinance Not sure this is a possibility? and my credit score is significantly higher than theirs is now.Current monthly payment is 264.69 179.98 in principal and 84.71 in interest and is easily affordable for me, but I want to get that interest rate much lower.I was recently approved for a Chase Sapphire Preferred credit card 2 weeks ago and I am not sure if refinance this new credit card would negatively impact my credit to the point that it affects and potential mortgage loans we apply for in the future.Thank you for taking the time to read this and if I left out an pertinent information please let me know and I will do my best to add it.  <response>: Yes, 10 is crazy, with a credit score over 750 you should be able to get a much better rate. 