What is your intrest rate on your car? I want to try to lower my car payment.?

It is so high, I'm barely making it. What banks or credit unions do you recommend to refinance a vehicle loan thru?
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0.0%

I drive used cars I can actually afford. I save several thousand dollars per year on each of my 2 vehicles compared to interest and depreciation on a newer vehicle. It more than makes up for the occasional repair costs.
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A good rate on a used car is around 7 to 8%. If you have bad credit, you could be paying as high as 22%. Make darn sure you make your payments on time for at least 6 months, then look for a "bridge" company that offers better rates (15% or so) for poor credit. Pay that for 6 months to a year, then look at a local bank and talk to them, see if they will write a loan for you. Don't apply randomly for loans, talk to them first to see if you have a real chance of being approved. Bank officers do have some leeway, and if they like you and you show a responsible payment pattern, they can approve an otherwise rejected application. Remember, they make money by selling loans, so they want to loan you money; you just have to convince them that you will pay it back on time. Good luck.
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There isn't going to be one best place to go to. Each lending institution is different, and they will interact with every customer differently. Best thing to do will be to visit local credit unions (they change dependent on where you are located) and contact some larger lenders and brokers. There should never be a fee to apply, so no harm in asking.

Try: RoadLoans, RateGenius, UmbrellaAuto
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I don't pay any interest because I paid cash. If the payment is that high, have you considered selling the car and buying something cheaper? Or selling it and car sharing like with ZipCars?
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0%. Buy used with cash. You do not need to worry about an interest rate if you don't owe any money on the car. Gee, what a thought eh?
Use cash anyd you will be much happier in the long run.