Refinance Auto Loan?

So currently I’m debating on refinancing my truck. My credit score has gone up significantly since I originally financed the truck at 5.25%. I owe 46k as of now. I could refinance now at 2.5% with my USAA bank. I get that I’ll save more in interest, but they told me I’ll owe 50500 with the new loan. So is it really worth refinancing then? Thanks for your help! Tyler