Where should I refinance my car loan with fair/avg credit.?

I guess you are just determined to refi. Let me give you a piece of advice forget the interest rate, pay off the car, make extra payments this item is not worth refinancing. If you like to read, you should try reading the book financial freedom or the total money makeover by dave ramsey. It helped me take a second look at my finances and become debt free to the point that the bad economy has not affected my pocket.