u/captainchewy

Bought my car 14 months ago when I knew a lot less than I do now. Paying $487 a month on a $22,000 loan at 11.9 percent. The interest portion is painful to look at.

My score has gone from 631 to 688 since I took out the loan. Is refinancing worth pursuing now? What rate should I realistically target in the high 680s?

Feel like I am just throwing money away every month.