Cut my Payment Without Extending Car-Loan Term?

http://www.foxbusiness.com/personal-finance/2013/04/12/cut-my-payment-without-extending-car-loan-term/ 

 

by Tara Baukus Mello

Dear Driving for Dollars,
Is it possible to lower my monthly car payment without extending the terms? I have good credit.
-- Pat
Dear Pat,
It is possible to lower your monthly car payment by refinancing the car loan. Refinance rates have dropped quite a bit over the last six months. The national average was recently 2.44% for a 36-month loan, so chances are good that you could lower your interest rate, assuming you've had your car loan for a while.

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