Answer
Go to your bank or credit union and see what rates they offer for your year, make, and model vehicle. they will also wanna check the mileage on the car. lenders have different criteria as far as how much they will lend as well as how far back they will finance (as in model year.)you will basically take a new loan on your existing car. your current loan will be paid in full and show as a closed account on your credit. i hope this helps.
