I've looked at E-Loan and Capital One but I want to know if anyone knows a better place online. Last time I checked my credit score was 555, it dropped dramaticaly from 681 but that's a long story. It's been about 8 months since I got my credit score and i've been timely on all my car payments, credit cards, ect. So I know my credit score is higher now. The loan on my Golf is 14.9% and I want to drop it at least to 10%, I think that's still too high but I don't want to hope for much. anyway, anyone use any refinance company? suggestions?