You could either go in to a local bank or credit union to ask about refi options or apply online at various bank websites.
The reality of it is however, it’ll generally only make sense for you to refi if either/or your fico score had improved materially since you initially took out the loan or interest rates in general are lower now than when you initially took out the loan. I’m going to go ahead and assume the latter is unlikely to be true as interest rates are currently near the high end of the range compared to where they’ve been in the past 5 years.
