If you are looking to save monthly income (or free some up to allocate more to lowest debts), then you should consider refinancing your vehicle. Most credit unions will extend the life of your loan if your credit rating is good and if you are a member. They see that you are good at paying on your loans with a high credit rating. What you care about is the lower interest rate they give you, which frees up immediate cash (that you should not go and spend frivolously), rather you should pay that extra sum on the principal amount you still owe on your vehicle you just got refinanced. Your goal should not be to pay off your auto loan in the time the bank sets for you. Your goal should be to pay off your loan in a faster time than the original loan time.
Math can be your friend, and it all starts with the question – Hi, can you refinance my car?

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