In a chapter 7, no.
In a chapter 13, yes.
In a chapter 7 case, we can list the title loan, check a box that says that we will reaffirm or keep the loan, and you can keep the vehicle. But, you keep the exact same payment terms: same interest rate, balance, monthly payment amount, etc. So in a chapter 7, no, you cannot change the interest rate. You can always try to negotiate, but it seems hit and miss with my clients when they try to negotiate a different amount with someone who already holds the title to their vehicle.
In a chapter 13, yes, we can change the interest rate to something called the Till rate, which currently is 5.5%.** So, in a chapter 13, you can change the interest rate on your title loan, usually about 250%, down to 5.5%. This doesn’t change the outstanding balance, but it sure cuts down those future interest payments.
**The Till rate is based on a Supreme Court case called TILL V. SCS CREDIT CORP. (02-1016) 541 U.S. 465 (2004). I have linked it if you would like some light reading. I would warn you that the Supreme Court does not generally use cute little pictures made from Microsoft Paint (unlike this blog).