<prompt> Human: Hey! I was told by the dealership I bought my car at that it might be a good idea to refinance my car before my 6th payment to get a lower interest rateIts a new car and my rate is about 6 and its financed through Hyundai motor finance rn.Credit score is excellent.What do I need to do to refinance? I dont even know how to start and I have less than a month before my next payment Will this actually work? Should I go to credit unions or banks?  <response>: I dont know that theres any rush.You can reduce your payment by 14 on a 60-month loan if you get 0 financing, which you probably wont. If you get 3, your payments go down by 7. So you can shop around a bit and not miss out on much out-of-pocket money. 