Taking on more debt is a silly solution to dealing with existing debt.
You are going to spend a lot of unnecessary money buying a new car and be in more debt and for longer . . period.
OP where did you try to refi?
Consumers Credit Union has very few restrictions - https://www.myconsumers.org/
I would refi that way your payoff quote will be much lower. I carried $1200 of negative into my Focus ST, big deal I didn't notice it and I'll say it one more time was not what led to my bankrupcty.
What other debt do you have? Balances, percentages, minimums etc.. where are you scores at? I only ask because I'm curious about what else you could do to boost your score while you wait a year to refi the new car if you do end up going that route?