What Do I Have to Do to Refinance My Car?

refinance

I have missed numerous car payments because the payments are so high and the fact that every month when my car payments come out of my account I’m double charged for it and have to go through my bank to reverse it and reverse all of the overdraft fees. I’m one payment behind but will be caught up soon.

Do I need to wait until that last payment goes in before I can refinance or can I start it now?