Virtually all car loans are identical. If you reduce your interest rate, you'll pay less.
I'd suggest refinancing at that 6.35% or so and make the same payment (make sure there are no loan covenants restricting early reductions of your principle balance) and you'll end up paying off your loan sooner.
Here's the approximate monthly payment for $6,500 at 6.35% interest rate:
12 month term - $561
24 month term - $289
36 month term - $199
This should give you some idea of how much you'd save each month based on your current payment and number of payments left.
I'd go check at your local banks and credit unions. They're usually competitive and might meet some published rates (like e-loan) to get your business.
