Okay I just bought a brand new 2006 Honda Civic EX coupe a few days ago for $20,000, $22,000 after taxes. Me and the dealership agreed on putting $2,000 as a down payment within a month with a 72-month plan. My interest rate? 8.99% (ouch). Now this is my very first car purchase I've ever made, and my credit score is very good (812). I talked to the financing person and said that the interest rate is too high. He suggested that I try refinancing it with another credit union. I plan on doing just that, and I need you guys' advice, any kind of advice!
What's the best place to refinance for a car (being website, bank, credit union)? Any help would be greatly appreciated, thanks.
