My new 2019 GMC Terrain with 6,500 miles on it was able to be refinanced after 6 months of payments with GM Financial. 7th month I take the time to check into it. Rate is currently 4.54%. Told Rategenius my interest was ONLY in a lower RATE not monthly payment. My credit score is excellent, car has plenty of equity in it as we put 5,000 down and VERY low miles,, I pay extra every month on the principal, and every upgrade under the sun. Our income level is no where near an issue. They replied within hours stating they couldn't help me. IT'S BECAUSE THESE SITES WANT TO GIVE YOU LOWER MONTHLY PAYMENTS! Don't be dumb. Your rate and your time frame of payments is the key! I'll survive because it's a game for me to play with rates and 0% cards, their average percentage they offer to clients is 2.99-16%, who the heck could benefit form a 16% loan rate? My 21 year old daughter bought her first new (used) car, no co-signer, 20,000 loan and qualified for 3% at the dealership thru Ardent CU. Know your stuff these loan sites are ruthless. Rategenius is only a grabber site, go to your local CU or bank directly.