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Is it worth it to re-finance my car loan?
If you're a bit into the loan, then they're probably hoping that you'll take longer to pay off the loan. Is there a fee for refinancing the loan?  If so, be sure to take that into account. A smart way to approach it (assuming that the fees are low or zero) would be to continue making the same payment you had been before the refinance.  Then you'll end your loan ahead of schedule.  (This assumes that there's no prepayment penalty.)