Just got approved 3 weeks ago for a 2007 chevrolet silverado crew cab with 74,000 miles.  ended up getting it for 53 months at 9.5 percent with 0 money down through chase.  I went to the car dealership to get the approval however.  My friend is the manager at the dealership and he said I could refinance in 12 moths.  scores are TU 604  EX 634 eQ 656