You may have missed the boat on refinancing your mortgage, but you still maybe able to knock a point or 2 off your carloan if you hurry. The average refinancerate on 2- and 3-year car loans is now4.99%, but it could go higher if the economyheats up. If you're laboring under ahigh-interest auto loan, refinancing at alower rate chops some dollars off yourmonthly payment and could save youhundreds over the life of the loan. Plus,you don't have the pile of paperwork thatcomes with refinancing your home mortgage.To see if refinancing is for you, usethe calculators at Bankrate.com. To seewhat rates are available and to apply, goto E-Loan (www.eloan.com).