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How to Refinance a Car Loan (The Right Way)How do I refinance my loan with Ascend Loans? Today, we do not offer a refinance product. It is something we are considering for the future. Until then, if. Down Payment: 20% � Possible Year-End Loan Interest Refund � Available Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC) � Choose from variety. Ascend Federal Credit Union's Post Read our latest blog post for help understanding if a car loan refinance might be right for you.