Contour Enthusiasts Group Archives Forums General Common Interests is this insane thinking?

so - i need to refinance my car, but in calling my lender the guy suggested that since i have a balance under $7,500 (which is usually the low-end of the "good" rates) i'll have a 15% loan on my hands...

he suggested checking into my credit card company to see if i could carry the balance at a good rate... so Citibank has the offer of 3.9% until it's paid off - what do you guys/gals think?