YEAH ME! I just refinanced our van. We bought it last year had no choice but to buy it for a safe vehicle (2006 Honda Odessey), last one on the lot and we got a ROCKING price but unfortunately they rocked us in the apr. It was high but we were stuck after two used vans broke down on me with the kids at night, I was determined to get a reliable vehicle. So for the last 18 mos we have been paying crazy payments but have made each and everyone on time. So we had an offer and checked it out and got 3% less apr and a lower payment by $73. I am so pumped.