Many of us try to implement positive lifestyle changes throughout our lifetimes. That’s definitely how it feels for me. That’s why I promised myself I’d get my body and my finances in shape this year. While I’m dreading all the cardio and weightlifting that comes with the former, I’ve got a clear vision of how I’m going to handle the latter. And I’ll launch my plan by refinancing my auto loan with Wells Fargo.

Refinancing a vehicle loan pays off your existing auto loan, just like refinancing a home mortgage. But it’s much faster and simpler to refinance a vehicle loan. Interest rates on auto loans are the lowest they’ve been in a long time, thanks to current FED polices. So it’s a great time to consider refinancing your auto loan to help your money stretch a little further. Maybe a lot further.

You might also consider consolidating your auto loan and other debt into a fixed-term loan. This gives you the convenience of making just one monthly payment to a single creditor as opposed to making multiple payments to many creditors. Consolidating your debt can also significantly reduce any high interest rates you may be paying on your individual loans. Decreasing your interest costs can save you money both in the short term and over time.

Whichever route you choose, it’s easy to get started. Just jump online and start researching banks, credit unions, and vehicle dealerships, and any other potential creditors to find the best rates. Hopefully, it won’t be long before yours and my finances are back on track. If this works out the way I want, I might even get to that cardio and weightlifting.

Or not.