Can a car loan be refinanced even if the car was totaled to get lower interest?

Unlikely. Most lenders will not loan against a "salvage" or "rebuilt" vehicle. The only time I've seen this done is when the loan is less than 50% of the "salvage" value of the car. For example, if the car in normal condition was worth $20,000, the salvage value would be about $10,000. A lender may be willing to loan $5,000 in this situation.
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