Just bought a used car with financing through a dealership. How does it work to refinance it?

Just bought a used car with financing through a dealership. How does it work to refinance it? I thought my credit was good (around 760), bank offered interest rate of 10.99 percent I believe over 60 month term. I know interest rates is high currently, but I am looking to eventually refinance it when interest rates get lower. How does it work to refinance it? Is there a certain time period I have to wait before I can refinance it? I don’t...

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