Auto Refinancing... where to go?

[sperry]

Well, since I'm really leaning towards hanging on to the WRX, I need to refinance it...

Who's gone the refinancing route on their cars? Where's a good place to get a low rate w/o early pay-off penalties?

I'd like to refinance my car in the 4.5% or less range for like 4 years, but be able to pay more than the minimum so I can have it paid off in say 3.

I've been innundated by Capitol One all over the web, but they're only like 4.75%, and you have to setup automatic payments to get the low rates. I'd rather send a check so I can overpay as my savings allows.

Any help would be appreciated!

[ArthurS]

I have been in and out of trying to switch companies. I did finally move it over to US Bank, but only because thats were all our business accounts were. So I got a good rate plus shed about a year of payments off the loan for around the same monthly payment.

I would try Wells Fargo or US Bank. They are both great companies.

My Loan Officer at Wells Fargo -

Robert W. Thayer III - 826-8222 (Ask for him) {By the way - Rob has a SICK STi. He has already started to mod the sucker out. I keep trying to get him to the meets)