How soon can you refinance your car loan?

i just bought a new car a few days ago and got what i thought was a good interest rate from the dealership. it was my first time buying a car so unfortunately i wasn't sure 100% what i was doing. i shopped around and they offered me the best deal so i guess i got carried away (i know... i reallllly regret this... show more i just bought a new car a few days ago and got what i thought was a good interest rate from the dealership. it was my first time buying a car so unfortunately i wasn't sure 100% what i was doing. i shopped around and they offered me the best deal so i guess i got carried away (i know... i reallllly regret this already). i guess i didn't know how this stuff works and i said i wanted my loan to be with bank of america since they are my bank. anyway... i come to find out that my local credit union offers much better rates than what the dealership gave me. i haven't been able to talk to them yet since its the weekend and they are closed but i am really nervous about this and want some answers. so i have some questions:

when is the earliest i can refinance?

can i refinance directly with bank of america since i think the dealership added on to the interest rate to make more money off of me or would it be better to just go directly to the credit union?

has anyone ever had a situation where the dealership or the bank the dealership got the loan through would not LET them refinance with another bank?

i guess i am just afraid i will be locked into their rate and there's nothing i can do about it. i really don't want to talk to anyone i know about it because i don't want to hear about foolish and stupid i am because i already know that!! i should have done my homework and this is definitely a lesson learned for me.

the good news is that i can definitely afford to pay more than my monthly payment so i can pay it off more quickly and not have to get the higher interest rate if i was locked into it. i've just been upset that i feel like i was scammed.

i really appreciate your info because i've been quite upset about this and need some reassurance from real life experiences