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I thought about refinancing through Capital one, cause i hear good things about them. Currently i have Americredit with an above average % but i have had no problems with them at all. At the time my credit was poor, and Americredit was the only one that took a chance.
get your credit in good standing and never use them again
Citi and USAA are my reccomendations, I got 5.8% on a used car from USAA and citi was just a bit higher.