High interest car loan: early payoff or

[estmirabilis]

refinance? I bought a car in February of this year at an interest rate of about 20 percent because my credit was a mess. I have since graduated from college, gotten a real and have all my credit card bills paid. I can have the 48 month loan paid within one year (by Feb. 2008) because I've been paying literally three times the payment. My question is, should I pay it off early at a 20 percent rate or should I have my credit standing reevaluated and hopefully get a better rate? Obviously a better rate is ideal, but which option is a better way to build credit?

[Jesk]

pay it off quicker would be my advice if you can, though ask them how they go about it, cos some places will still charge you all the interest and others will charge an early exit fee