I refinanced to a couple of 0% APR credit cards.  You need pretty good
credit to do so, however, and the rate is usually guaranteed for only a
year.  Some credit cards give you life-of-balance at 3% or so.  All
this is assuming you have spotless credit.

They are loss leaders, hoping to lock you into revolving credit, so a
bank can't beat them.  Just make sure you have auto-pay set up, and
don't use the card(s) for anything else, so that your rates don't go
up.

The biggest reason to do it for me was to remove the lien.  I had a
breakin, and had to wait a few days (while my car sat idle in the shop)
to get Honda Finance to sign off on my insurance check since they were
a lienholder.  Also, lienholders put caps on insurance deductibles.

-MVL