9.5%? Ouch! Have you shopped around the internet for a better rate? If you have any kind of good credit, you should be able to do better. We got 6.5% through eloan.com, but we have flawless credit, and own a home, which usually helps.
9.5% is ridiculous. I too have flawless credit, a brand new home and a 6 figure salary. I guess that's Lexus financing for you. Is your 6.5% a loan or lease? I also assume that it's a home equity line?