A lower interest rate will save you a lot of money if you have more than a year left on your car loan, but the interest rates are not the only things you need to consider.

Incomplete or falsified information increases the chances of disapproval or takes longer.
The added benefit is that if rates go down, a person in a No refinancing costs can easily keep refinancing at a lower rate, no closing costs.
If you are not comfortable with the terms of your current lender to refinance Florida, look for other and compare their interest rates.
They are located and operated locally, so all work is also done locally.
If the amount owed is more than the value of the vehicle, you can not refinance the loan.