Car Loan Apr

If I want to lower my car loan in April from 9% to about 4% and it can do I do? Will keep my monthly payment the same, but I pay more interest on my loan? Or am I better refinancing scheme for another 5 years to lower my payment and APR 5%?

Any loan that has a lower APR and repayment period will be faster than you save money.

The only thing that could change this conclusion is that if you have a 401k retirement savings plan or another plan of work and you do not contribute the maximum you can to such a plan. If your budget is so tight that you're not in the plan or just contribute a little, then I will refinance to lower car payments and use the savings to increase your retirement account.

You're on the right track, though. April 9% is too high and you should get rid of them if you can.