I currently have a 2006 Nissan Pathfinder / the veh was repo. on Sunday- I payed my past due amt. & the veh has been returned to me. I would like to re-finance the veh. and have lower veh. pymts. what are my options?

You can apply for refinancing, but your approval will depend on your payment/credit history. If the repossession was reported, that will appear negatively on your refi application. You can fill out a refinance application.