I have gotten at least a dozen pleas from local Ford dealers to trade in my 2010 F150 FX4 for a new one, with a much lower interest rate. It would drop by payments by $20-50 a month, but keep that loan going another 6 years, instead of 3. I’m halfway to (prayfully) never buying a new vehicle for myself again.
I’m that way about refinancing my house. Yeah, I can get a slightly better rate but it’ll take a lot more years for me to be able to burn the mortgage, so I soldier on. I want it paid off when I retire.