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Unless you just can’t make the payment just make the notes you have.
If you have to refinance, go to a local credit union as they have much better rates than local finance companies.
Depending on how long you have had the loan I would say probably never. This because most lenders calculate the interest portion of you payment using the rule of 78’s. Simply put this means that most of your payments in the first year are going to interest not to principle. Ask the lender what the payoff number is and you should be able to determine how they have treated yor loan.