If I were looking for how to refinance a car, I'd widen my horizons. What do you want? Money. How does one get more money? By: - Getting a second job or paying hobby;
- By scrounging from friends or family;
- Getting a different job that pays better;
- By saving what you've already got - no holiday, give up cigarettes and booze for a while!
It's a small amount of initial hardship, versus years of fretting over barely-manageable monthly payments. Money and sex problems are two things that put a real strain on family life. The second is easy to fix, and the first not too hard either! An extra hundred quid in your pocket per month can make all the difference.
You can seach on 'how to refinance a car' on the internet until you get RSI, but eventually you'll have to pick one or two lenders. You can get 'surfer's fatigue'; so tired from research you can't think straight. That's a good time to make a note of your favourite sites, and go out for a walk. Clear your head, and let your sub-conscious mull over the choice. How does bad credit hurt you? Car dealers who offer finance charge people with bad credit 15% interest or more, while others get 6% to 8%. Bad credit can also keep you from getting something basic like a current account! Banks run a credit check because they know people with bad credit dishonour cheques. Would _you_ be happy to have financial dealings with a known defaulter? 
There's only one way to restore your tainted credit: Pay back what you owe. If you have credit card balances, transfer them to the one with the lowest APR. Pay off debts; high outstanding balances harm your chances of qualifying for how to refinance a cars. Stop spending. Pay more to cards with a high APR. Spend more than the minimum payment, or it will take ages to pay off. Credit card debt is for fools; the interest rates are near-usurious. Scrape together your cash, and pay it off. You're giving away cash monthly if you don't. If you owe over £10,000, have no cash-at-bank, and you're a homeowner, consider a secured loan; you'll get a much better rate. Once you clear upo your credit-rating, do a budget, and decide on what you can realistically afford a month. Realistically, mind! Then can look at which vehicles fit into your price range. A good criterion to take a sober look at what your needs are. Is it for business family, commuting, or fun? There are plenty of places for you to do your car research; the internet, magazines, dealerships, credit unions and local banks to see what kind of deal you can get. The more informed you are, the better deal you can negotiate. Look out for rebates; the manufacturer may want to either get rid of slow-selling cars or lessen their stock. They may offer a cash rebate or a low financing rate.
Car dealer financing is just another product that the dealer sells you. Unless it's a subsidised low APR from the manufacturer, you'll almost always find better deal from from online sites, your credit union, or your local bank.
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