I want to refinance my car loan but my credit is worse than when I bought it? Bad idea?

Question by Beachy Keen 2: I want to refinance my car loan but my credit is worse than when I bought it? Bad idea?
I have no idea how refinancing works. I want to refinance my car loan hoping to make my monthly payments smaller. It's over 1/2 paid off now. Will it hurt me if my credit is worse? How does that work. I am current on my payments.


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