just curious...

my interest rate on my car loan is ghey at around 9%. i know tons of factors play into credit scores/status, but if i try to refinance that junks in about a year, would it make a difference? or should i wait another year or two? its b/c i wont have any other credit debt by then, save for possibly $100 or two on accounts that get charged for things on a monthly basis. but the ratio of credit limit and balance will be pretty dang sweet. oh, and my student loans that im paying off consistently

honestly, i dont even know if refinancing a car loan is possible, only b/c i personally havent heard anyone i know do it before. i have little experience w/ this kinda stuff, so help is appreciated. any insight? thanks, yo