*Loan,banking and credit>>>auto loan

How do you refinance your auto loan?

my auto finace company does not have the option to refi.

Depending on where you live, you may have a credit union nearby. Many credit unions will allow you to join if you live in their area. See this website for a directory: http://www.creditunion.net/
Once you open an account, they will refinace your loan up to the full retail value, and their rates are far less than national banks. Even if you have questionable credit. All you need to do is see them, get approved, and have your insurance changed. It's the easiest way to save some money.
Good Luck!!

call them and tell them you want to refinance
go to your bank
Trade your old car in for a new one. The dealer will refinance the whole deal.
see abank or alternative lender
Try e-loan.com
If you have good credit, you should have no problem.
Call your lender and tell them you are ready to finance. Doesn't take that long. I did it and reduced my payment by more than half!