<prompt> Human: Financed the car in march and started building credit in December so I still had no score when I financed the car, I now finally got my first glance at my fico score which is at a 735. Still have a low amount of history and a low income since I am working part time college.So should I try to refinance with my bank? Navy Federal Credit Union or should I wait till I have a longer credit history and possible have a higher income? I know how bad 25 APR is, please dont coach me on that part haha.  <response>: That rate is so high it is illegal in my state.It doesnt hurt to ask to refinance it, cant get any worse. 