Overhaulin'

Should I refinance my car loan again?

A few days ago I refinance my 21% six year loan to an 11.5% four year loan with a credit union (when all websites and banks rejected my refinance request). What I'm wondering now is, how long should I wait to refinance for a better rate? I'm thinking in 6-8 months I'll refinance with the same credit union for a 3 year loan. Any advice?

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