I dropped 2% from last year to this.

 

If you could come up with one large payment say $1000 or more, and apply this to your existing loan, this really looks good to a new loan officer and could make refinancing at a lower rate much more possible.
I realize that the $1000 may be unrealistic for many people and if this describes you, you can only shop around and see if it's still possible to lower your present rate.
Regardless, you will probably still need an excellent credit rating.

 

I would get another job.

I would work 24hours a day if I didnt require food sleep and sex.

 

you had a change in your credit/income/loan situation.

the BEST rates offered by banks have increased (albeit slightly) from last year to this. savings rates are going up. fed rates have gone up.

 

The current rates for auto loan refinance are lower than the rates for person to person auto loans a year ago. This is how I was able to bump off points. My rate was artifically high however, but I didn't feel like arguing at the time. It should have been 1% lower to start.

 

Join a credit union and then refinance with them. interest rates are dirt cheap.