By posting this question on Yahoo Answers, you’re inviting every scheming lowlife scammer to offer you a loan. And I guarantee they will reply soon. Don’t respond to anyone who offers a loan and has a generic contact email, i.e., yahoo.com. They are scammers. They will ask for money for proceesing stuf and you will not see a dime.
my little advice is that you go to a bank in your area to request for the loan and that is if you have a collateral, but if you want loan from those that give out unsecured loan without a collateral i know of someone that gives out unsecured loans, though he is the only one i have tried for now so i don’t really know if his interest rate is the lowest, here is their contact information if you want to contact them. (kingstonloaninc@live.com)
i am sure they can be of help to you if you are genuine.

Try Prosper.com. Your credit score isn’t too bad and you should be able to get a 3 year loan at around 10 or 11 percent. It’s a really cool site! Grassroots people helping each other.

your car is probably worth less than the loan balance due to depreciation, so you can’t refi -

16.75 is a high rate but leave it be. If you want to cut down on the interest, just make more than your monthly payment and have it applied toward the principle.

ask both the bank that has the loan and your regular bank

there are costs involved with refi-ing a car loan and they might make the decision uneconomic.

The two amount to the same thing. Go with whichever gives you the lowest interest rate.