I'm looking into refinancing my car in order to lower the monthly payment. I was upside down when I got it (and stil am). My local bank is willing to spot me the cash, but the rate is a lot higher than online advertisments like Captial One Auto Refinancing... Has any one tried these online lendors? I don't want to go through all the trouble of applying only to find out that the advertised rate is only good for 70 year old millionaire's with perfect credit.