I refinanced our pickup just now. It took 30 minutes on hold, and then 25 minutes over the phone to get it all worked out. We refinanced for the same amount of time, but this way we a lesser payment. This is much easier now that we have our account at our regular credit union.
I wish that I had been able to get this done earlier. We might have saved a few hundred dollars over the last year.
Anyway, it is over with and I didn't lose any blood even though I do feel like I went through a bad day at the dentist.