Not sure if I should re-finance auto loan?

I currently have $ 6?900 financed at 8.9% with my local credit union. My fico score is 68? as of last week. I would love to find a lower Interest rate? however my local credit union does not re-finance their own loans.I briefly checked lendingtree.com however their min Loan Amount is $ 7?500 which is more than I currently owe on my 2004 saturn. So I am not sure if I should Refinance With the $ 7?500 loan and then make the difference my first payment. Or if I should wait and keep working at raising my fico score then re-finance. The biggest thing is that my boyfriend (of 2 years) and I are looking at buying a house in 2010 and I do not want the re-finance to hurt my fico score. We will co-sign for the Mortgage As his fico score is 748 as of last week. But? my car loan is going to be only in my name. Any advice? I purchased the car last year from my grandmother before she died. I went to the bank and took out a loan so I could pay her outright the $ 7?500 for the car? to avoid any family drama (i am one of 1? grandchildren). It is a 2004 with less than 30?000 miles on it.

Source: http://www.xmastips.com/mortgage-loan/not-sure-if-i-should-re-finance-auto-loan/

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