There are various lenders in the market to refinance your car at a lower interest.
The amount you borrow for your mortgage can also be used to cover the cost of repairs to your home.

Although some credit card companies make sure you can get a mortgage with bad credit, the chances of your hand rest.

A small business owner I know has one employee, but four different loans related to its business: an equipment loan, a car loan, a line of business credit and business credit card.
Your credit affect your ability to refinance at a lower cost and you may have to shop around a bit to find the best deal for you.

Note that lenders generally limit the amount of your loan up to 80% of your balance.