I got my car back in May of last year. I didn't have the most amount of credit so I got a high APR 12.6. Well I paid on that over a year and got it refinanced today to 5.3, and in 2 months the APR will be at 3.1%. Knocked around $80 off my car payment. It also should look good against my credit to have a car loan paid off. For those who are still paying what APR do you have? I refinanced at a local credit union and had to pay nothing. I may sell the car soon though.