I have been really frustrated dealing with the credit union that issued my auto loan. Basically I've wanted to set up automated extra principal payments and been unable to do it despite multiple visits. It wouldn't be so annoying except that there's no online payment and to do it without automated payment I'd have to go in in person every time. I find it kind of hard to believe anyone's still operating this way, but here we are.
At any rate, I saw ads auto loans from a different lender for late-model used cars with the same interest rate I have. My down payment was substantial enough that the outstanding balance shouldn't exceed the current value of the car.
Would it be a crazy idea to attempt to refinance in these circumstances? I imagine I will lose some money to fees by doing this, but if they're not crazy that's acceptable to me.
If it matters I am in Massachusetts.