aj......Sunwest would have to drop their rate to 2.49% for it to save you any money at all to refinance. And even then, it would save you less than $50. And if you take less than 60 months to pay off the loan, it would probably cost you money to refinance.I asked Sunwest for the best possible rate they could give on 60 months with Excellent credit they gave me 2.49% on 60 months because I also was a repeat borrower from the previous car and paid them off. I took the offer and now have a biweekly payment which makes me alot happier. My fico score is 807. I cancelled the Gap policy with AZFCU which I can put on the balance and paydown. The new balance on the car is $ 13594.04. The cost of Gap is $295.00 which protects me god forbid I'm in a another total loss. The new pmt $111.48 every two weeks.