<human>: Hello, long time reader, and I've gotten myself into a bit of a pickle, or at least something that I think can be improved. Due to an auto accident earlier this year, my wife and I found ourself needing a car on short notice, without a lot of cash on hand. We didn't want to completely wipe out our emergency savings, as it was low from some unexpected medical bills prior.

Long story short, I didn't do my due diligence on the auto loan. The salesman predicted "About 2.5% if you use our guy", which of course ended up being 4.990% on a 48 month loan from Wells Fargo Dealer Services. Both my wife and i are on it. I have a 790 credit score, but my wife had no credit history, so we thought this would be a way to build it.

We currently have just over $6,000 left on the loan. I've been making above minimum payments ($250 instead of $150), and have been putting almost every extra bit of cash into this that comes my way. I currently have 29 months left by my calculations, 20 if I can put down $2,000 I have coming in unexpectedly this month.

Here's my question: Is there a way to either refinance this, or to take out a personal loan through my bank to pay this loan off and end up with a lower interest rate?

Summarize the given text in a few sentences.
<bot>: Interest rate through dealer services at 5%, what's the process I need to do to be able to get this down?