history: I recently refinanced my auto loan and will be receiving a large refund from my GAP insurance. I can really use the money and have been waiting for it to arrive. I just finished signing the papers for my auto loan refinance! Waiting on a large refund for the GAp insurance!
current: Great! Will this mean a lower car payment for you? 
next: Yes! And a lower interest rate. I'm so happy. I can really use that extra money!