Hi I financed a 2005 car with Presitge Financial last month. I do have a lower score. It was about 558 at the time of purchase (that's what the dealer told me). my payment is 500/mos and I owe about 17500. The interest rate is 23% but supposedly they reduce it 1 point every three months I pay on time. I am in my third month now.. but I realized after purchase, that my score was actually higher than I was told. I had check my report, but the dealer told me the scores I had didn't reflect accruate "auto enhanced" scoring. Now I know I don't have good credit, but I think I would like to refinance as soon as possible rather than having to pay out almost $30K in payments for a 2005 car. I've done some searching, but don't really know the best place to start. I am a DCU member, but they denied me for the regular auto loan so I don't know if they will do the refi. At this point any rate reduction would work. My goal is to get to the $350-400 range. Any advice is appreciated.

Looks to me like you would need a refi that would approve you in the 7% range. That might be difficult one month into a new loan.