Thinking about a refinance car loan in Ontario? This guide explains what refinancing actually means, when it genuinely makes sense and when it's worth waiting, the negative-equity and longer-term traps to watch, and the one angle most articles skip — how improving your credit can open the door to better terms. It also lays out, honestly, where Legacy Auto Credit fits (and where it doesn't) as an in-house leasing company (O.A.C.).