Tips on Buying Cars: refinancing cars, interst rate, queston

Question
hello thier. quick ? about refinancing cars. i've had my car for
roughly about a year now and my payments are really high. so is
ny interst rate. it's like at 15% . i bought the car with a loan
through the dealership. the company i send my payments to is
a-l financial. i asked them if they had any suggestions about
refinancing my car so i could have a smaller payment. they said
they didn't know of any one that does such a thing.so my
queston to you is do i have to refi it through a credit union or
some other company besides the one that i'm using now? thanks
alot . Ian Bragg

Answer
My suggestion would be go to a bank or credit union and refinance it there.  Since the dealership sent you to a company with the name a-1 financial this is probably a second tier finance company with high rates.  Is your credit ok?  if so go to the bank.  if not you are probably stuck with your current lender.  Best of luck, Bud