You should check out Penfed.org not too many places can beat the interest rate. I've used them for the past 3 cars. 1.74% for used cars.
Wells currently holds the note on my car and her Tahoe so it was just a quick call to see about paying mine off and getting a pre-approval for the amount. Not an issue for now though.. LOL. It's all good.. there will be more to come..