Ken Barteau was very helpful!
Found this company through Caleb Hammer's website. We had a 22% interest rate. Did not think I could refinance due to being underwater in our car, so was very grateful to find a place that I could refinance with. Now I do think the interest we got was a little higher than I would have liked and/or thought we should have gotten considering credit. But I am just appreciative we could get a lower interest rate at all. Our new interest rate is 15.35%. Monthly rate is lower, but is another 72 month loan so will be treating it like a 60 month(which is still lower than what the minimum monthly was)