After being declined by DCU and ACU, I decided to try the Mazda Dealership. After reading all of the very helpful information from this forum, I was able to negotiate myself what I think was a good deal at the time considering the negative equity I had in my truck. I was able to get the dealership to knock off $2,000 below invoice and give me $3,500 more for my trade in than they wanted to from the start. My interest rate is high at 14%, but I plan on refinancing in the near future! 
How long should I wait to refinance?
Congrats on your purchase!
I always say wait a year to refinance but it really depends on your financial situation. If the 14% is going to kill you sooner than later I would plan in the next 6 months. Refinancing is usually easier to obtain than purchasing a vehicle, just be sure you make all payment on time! Congrats again!!
