I was discharged 1/15 out of Chapter 7. I reaffirmed my auto loan with Santander with 16.99%. I owe approx 15,000. Payments are $457 with 44 months remaining. I applied with Lending Tree (Innovative Funding Solutions) and am being offered a refinance with Wells Fargo Dealer Services for 13.99% at $356 for 60 months. I plan to keep paying the $457 if I go with Wells Fargo. Does this sound like a reasonable offer? I joined DCU with the hopes of getting approved for a lower interest rate but just got a denial email. I have to wait for the mail for a reason. If I take this, will I be able to try to refinance with DCU down the road when my scores improve. Ficos are 610, 615 and 638. Opinions?