Wondering if i should Refinance my car?

How long have you had the loan?
With amortized loans, interest is paid off early in the loan and gradually lessens until you only have principal left to pay.

So if you’re less than a year in, I’d say refinance it if your credit has improved since the time you had originally took out the loan.

If not, I’d say pay your monthly payment and a little more to the principal only to pay the loan off a bit quicker since interest is figured on a per day basis.

You can download an amortization loan app that can show you the interest/principal breakdown so you can see exactly where you’re at paying off the loan.