Suggestions for lenders to refinance car at lower rates in Feb 2025

Hi,

I have an ongoing auto loan at 4.75% interest rate with Toyota. I am looking to refinance for a lower rate. I have known of DCU offering good rates in past but their interest rate is currently higher than what I have. I have tried Lending Tree and other websites but have stopped putting in any info since there are so many scam calls and it’s hard to tell which ones are genuine.

Any suggestions which lenders are offering good deals at lower interest rate on refinancing car?