Are there any places that would possibly refi and auto loan with a low (probably about 590 Equifax, not sure of other scores just yet) score, but no 30/60/90 lates on this loan for 2 years? Is credit the basis that refi agents go by?
590 is not exactly low. And if there are no lates then that's a plus in your favor. There are other variables like the age of the car, the length of time you want to refinance it. They usually don't refinance cars older than 36 months unless you have very good credit.
