@AutumnH wrote:
Unfortunately its a used vehicle. i purchased it in June 2016 so yes its after my bankruptcy. My bankruptcy discharged in 2015. I guess I'll just have to pay it, and suffer the consequences at this high interest rate. Or maybe refinance after six months and with a lower note hopefully I won't feel so horrible about the mechanical problems.
Good decision. I know this will sound a little silly, but when I get frustrated with my vehicle - and it happens occasionally - I get it detailed. It feels like a 'new to me' car again.
I do take care of my car mechanically because it is just what a responsible vehicle owner does and I have been in that habit for many, many years.
Getting a good mechanic is essential to taking care of your car. Taking it to the dealership for repairs results in higher costs and not necessarily better service. Find a mechanic that is knowledgeable and not associated with the dealership.
As to refinancing it, that is an excellent idea. Once your score has recovered enough then check with the credit unions mentioned here frequently or your own CU.
If you have the ability to set aside funds in your savings, do that so you can pay down a lump sum when you refi if you need it.
