Overhaulin' - Should I refinance my car loan or let it go back?

Should I refinance my car loan or let it go back?

2004 Dodge Neon with 105,000 miles and owe 9500. Credit is not so good but the APR on it now is 16%.

pay your bill or go to carmax and see what they will give you for it. it will probably be around 6 grandish, so look at paying 3500 or so to get rid of it
In terms of refinance, the age of your car is not a problem, but you do have lots of miles on it and owe under $10k. Lenders have some requirements for refinance, and from what I know of recent, you wouldn't really qualify. "Not so good credit" is hard for me to tell, some people have different ideas of "bad" credit, but it definitely doesn't help. Your best bet is to pay it off and just stick with it, it's better for you in the end. Not sure why you want to rid yourself of it, but if it's just a matter of not affording the payment, then you will either need to sell it and settle the difference, or tighten your belt. I wish I could give you better news, I just am not sure you'd qualify for refinance. It's free to apply ... I just don't wanna get your hopes up.
"Let it go back" as in voluntary repo? No way. You'd be making a bad situation MUCH worse. You'll still be liable for the difference between what you owe and what the car would bring at auction (and Neons don't bring much, ever, at auction). You'll be stuck owing thousands of dollars on a car you no longer drive. If you can't pay, they'll get a judgment and can garnish wages. Do what you can to NOT get a repo on your credit.