<prompt> Human: Ive never refinanced anything and also never bought a car so I have no idea.I got a 2012 corolla from carmax earlier this year. It has very few miles but the amount owed to carmax is 16,000 at about 6. I noticed they have 2.85 daily charge Im not sure is this something regular?I have a Bank of America credit card and I saw an offer to refinance as low as 3. I have a 750 credit score. The monthly payment would be a bit higher but their calculator says I would save 2000, not sure if theyre also calculating that almost 3 a day fee.  <response>: Have never refinanced but 6 seems very high for someone with a 750 credit score and with that much left on the loan I would say youd probably be better off to refinance. 