[RickFLM4]

Rates have been on the rise, so that is part of your problem. They are likely to continue in that direction so finding a significantly lower rate may get more difficult. You can see what AAA estimates as another source.

As suggested, try to pay off quickly. Another alternative is to sell the car and find something you can buy as a cash purchase. 675 is not going to get you the best rate and bear in mind that each time you apply for credit it affects your score.