should i refinance my car or get an unsecured loan and pay it off?

i have a car for about a year now. the interest rate is 16.75%. i owe 7,500 on the car. i have a score of about 690-700. should i refinance the car or should i get a loan from the bank and pay it off. which is better, i need some advice. http://bit.ly/rqkiiF