*Loan,banking and credit>>>auto loan

Why will noone approve me for an auto refinance loan?

I have a decent credit score (650-700), lived at my resident long enough, been at my job long enough (almost 2 years) and make more than enough money to get a loan. I have paid on the car for 7 months on a 6 year loan. The interest rate is over 20% right now and have an excellent payment history on all my accounts/credit cards. So far, most reputable financing companies have rejected me online. I will soon go to banks and credit unions. Any suggestions?

Your best bet is to go to a credit union first- they tend to be more lenient and offer better rates, usually. What you are describing about your situation does not add up at all. If you really have 650-700 for a score, been at your residence for 3 years, had a STABLE employment history for at least 2 years and make more than enough money- you sould have a much lower interest rate.
Remember, there are 3 credit report bureaus and not all of them have the same information as the next. Experian may not have the same information as Transunion or Equifax, which may lower or raise your credit score, depending what is on it. You may have 650 for a score on Equifax, but on Transunion you may have 525 for a score because of an old debt that you never paid off and that just so happens to be the credit bureau that your lender uses in making their credit decisions. You should be able to ask your lender which bureau they use.
I suggest you pull all 3 reports and look to see what exactly is on there.
Just an FYI- it usually does not matter at all whether or not you are upside-down on a car loan. What really does matter is your credit worthiness and debt-to-income ratio. Most lenders do not like to see your car payment higher than 1/5th or 1/6th of your monthly income and your total debt (house, car, credit cards, loans and even co-signed loans) should never be more than 50% of your disposable income. Try to shoot for 30 to 40% for best outcome.
Hope this helps!

Here is a list of best Auto Financers offering low interest and fast aproval. No matter how low is your credit score,
http://bad-credit-auto-loanss.blogspot.c...
The 20% loan is way too high for someone of your credit score. Something is "wrong" for you to be rejected.

While car loans will naturally have a higher interest rate due to the poor quality of the collateral (used cars do not retain value very well), you should be able to do much better at any bank. You should be getting a loan somewhere near 8%. If you have a sizeable deposit at your bank, you might even do better.
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you should never go for such a high rate. try a few loan companies offline it will surely help