Refinanced my car today...
I have to say first of all, I love my insurance company. They literally bent over backwards to get me the best rate, and they do financial business too. Today they offered me a rate of 6.04%, compared to the 6.9% from the Credit Union. I was all for that, it drops my rate by a few dollars and they were just so nice about everything.
My agent even called to find out my credit score, which has gone up about 20 points in the last year, thanks to my paying off 3 credit cards and learning to correctly manage my 1 credit card left. The length of my loan is the same, and when they figured my loan, they actually loaned more than I owed, and cut me a check.
I get a really nice 20% discount at work (WM) next week as a thank-you for working on Blitz. I am going to use this windfall to finish those last-minute extras I need to pick up for Christmas, and we get a sweet $350 quarterly bonus the next paycheck, which I will put toward my new car loan. I'm just happy to be saving some money, even a little bit. I figure if I keep overpaying (payment went from $197 to $194 a month) and budgeting for my $200/month payment I can get this thing paid off really quick!