I got a loan for my Lexus in March 2002 @ 5.49%. For your situation, what are you trying to accomplish? Lower payments, less interest paid overall, or just pay it off quicker? I have no idea what your finacial situation is, but usually it is better now after a few years than when you first got the loan. As SVTour98 said, the interest is front loaded so you alread ypaid a lot of it. You have mostly pricipal left and despite being able to save maybe $10 in interest a month, I recommend just paying an extra $100 a month with your current loan and get it done with.
