<prompt> Human: Ive been trying to rebuild my credit, and Ive managed to get it in the Okay range.I got a secured credit card and have been paying that down to 0 religiously, and I wanted to do a bit more so I traded in my old car and got a used car.Thing is, I got reamed on my APR at the car lot 36 at a buy here, pay here place, and I was okay with it because I figured it would help build my credit score. Turns out, the lot I bought my car through doesnt report payments or anything, so Im just paying out the nose with no credit benefit.Is there a reputable site online I can use to try and refinance my loan through that lot my current balance is 6100, down from 8900, 36 APR, had the car for about 2 months that will lower my APR and help boost my credit score for making consistent, timely payments?Hopefully this made sense. Just trying to get my life and credit back on track, so figured Id ask the community for advice. Thanks!  <response>: Most banks and credit unions offer refinancing 