Should I refinance my car loan?

Should I refinance my car loan? Hello, I’m looking to refinance my car loan. I got this loan Nov 2021 it is at a 11% my current amount I owe is at 25,000 with a monthly payment of 649. As of this Nov I have 49 payments left aka 4 years. I’m looking to refinance my loan with credit union. I heard it was cheaper. They offered me: -4 years 625.07 monthly payment, 5.85% interest -...

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