I currently have a loan with 7.25% APR thru Toyota Financial. U.S. Bank approved accepting the loan at 4.4%, with a transfer fee of over $100. Still, over the next few years I could save a more than $200 this way. The only negative would be if for some reason transferring an auto loan balance hurt my credit card rating.

No, it will not hurt your credit.
It won’t hurt your credit at all. The Toyota loan will show as paid and a new loan will show for US Bank. Absolutely nothing negative about it.
But even if it would ding your score, why would you opt to pay the extra interest just to keep a few points on your score? Sometimes folks need to stop worrying about scores and think with their pocketbooks.
u need to look in that more b 4 u do anything u might make a mistake
I did the exact same thing myself a few years ago. I bought a car using the financing offered by my dealership – then was offered a much more attractive rate by my bank about a year later. The original account will show as “paid in full” your credit report, and the new account will begin reporting, once you have made your first payment. If anything, this will actually help your credit, as creditors like to see that “paid in full” next to items on your credit report!
Car auto Loans
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Its just that auto loans seem difficult to secure in this economy. The websites places are fast and often easier to qualify sometimes.
My friend recently used
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