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Hard for me to figure out this Auto Refinance

Ok.Here is the thing. Right now my APR is 9.25% with the remaining balance of 13432.00.I have 38 months still left on this payment.
Today BOA offer me 3.49% with monthly payment of 300 for 48 Month for that remaining balance.

Should i still stay with above or go with BOA >the main thing bothering me is abt 48 Months.
Can somebody clarify me on this thing..Thanks u all

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I would go for 3.49% over 9.25%. I don't understand why 48 months is bothering you. If you want to pay it off in 38 months then pay extra each month, unless there is a penalty for early payment.
If you stay with current 9.25% for 38 months you will pay a total interest of 2115 (approx).
If you go with 3.49% for 48 months you will pay a total interest 979 (approx). These calculations are just rough estimate, but you can get the feeling.
So you do the math.

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Go for BOFA . i ended up paying more 7k with 9% for 4 yr !!!! You can pay more and end up early then 48 month.

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