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If you have good credit — especially if your credit has improved since you first took out the loan — refinancing is a good option. And, if you currently have a poor interest rate due to financing with a dealership, you can also benefit from improved rates even without excellent credit.

Auto loan refinancing is taking out a new auto loan to pay off an existing auto loan. It can help you reduce interest rates, lower your monthly payments and pay off the debt quicker — depending on what you qualify for.

Refinancing your auto loan is a good idea if you can get approved for more competitive rates through a new loan. If your credit score has improved since you took out your current loan, you likely can save money each month.

But it is important to consider where you are in the loan’s lifetime. If you only have a few months left or your credit score is the same as when you first applied for your current car loan, it may not help much.

Also, if you’ve already refinanced your car loan once or a few times in the past, you may not qualify for more competitive terms.

You can prequalify with lenders to see if you qualify for a lower rate or shorter term. An auto loan refinance calculator can also help you tell whether refinancing will save you money.

Some circumstances can prevent you from refinancing an auto loan, or mean doing so may not be the best option. You may want to hold off if:

There are a few ways to get more money back in your pocket when you refinance your auto loan.

You could see a lower interest rate with a new lender depending on your credit score and loan details. A lower APR will likely save you money over the life of the loan.

Depending on your loan’s current terms and the new loan’s details, you may owe less each month. Extending the term will do this, but just extending the term will also increase the loan’s overall cost because you will pay more in interest.

But keeping the term the same — or shortening it — and getting a better interest rate will lower both your monthly payments and overall interest paid.

Understanding the process of auto loan refinancing is just as important as knowing the benefits. Here are four steps to follow when refinancing a car loan.

Before refinancing a car loan, you’ll need to check your credit score and report to ensure that your information is accurate and up to date.

If your credit score is over 670, you may get a lower interest rate — especially if your score was lower when you took out the loan. A low score will make it difficult to get a great interest rate.

The average APR for new and used car loans is 5.82 percent and 7.83 percent, respectively, for borrowers with credit scores between 661 and 780. But if your score is between 601 and 660, these rates increase to 8.12 percent and 12.08 percent.

Once you know your credit score, compare auto loan rates from several lenders. To ensure you’re getting the best rate possible, prequalify with several lenders before submitting a full application. This will also save your credit from taking multiple hits.

After you’ve found the best rate, you can complete the application online, over the phone or in person — depending on the lender. Be sure to review all of the terms before signing.

Either you will receive a check, or your new lender will pay off your existing loan. Continue making payments on your existing loan until you have verified it is completely paid off.

Refinancing your auto loan can help you save if you are paying a higher rate than the current market or if your credit has improved. But only refinance if it will save you money. If lowering your monthly payments through refinancing would require extending your loan term, you may want to look into other options.

It doesn´t matter what the business is, employee motivation in the private sector and the public sector are as important as each other.

Consider this situation – the high-flyer you hired a year ago no longer seems motivated. They’re doing the minimum of work, not coming up with new ideas, not interacting, and seem like they want to be someplace else. How do you improve their morale and motivation?

Rather than giving up on them, the first thing is to find out what the problem is. Arrange an informal chat and find out why this person who was such a hard worker before now lacks motivation. Then address the problem and turn the situation around.

You may have to work out how to motivate an overwhelmed employee, how to make them feel valued, or how to give them a more challenging role. Whatever the issue is, supporting a demotivated employee will give them a boost.

There are two main types of employee motivation:

It’s the employer’s role to facilitate employee motivation and figure out what employees need to motivate them. There are a number of ways to do this so your company becomes the one everyone wants to work for. It could be something as simple as ensuring equipment and systems such as the intranet work effectively, running an employee engagement survey, or buying the team lunch once a month.

Here are 20 ways to improve employee motivation :

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