@djdutch wrote:
Thanks for the info. Wish it were just a question of wanting that new car smell. However, our current car is looking at what we anticipate is about $800 in transmission work...and it'll need timing belt replacement in about 1500 miles or so. We already spent $600 recently on tires and alignment so we are going to be well past our break even point on repair cost vs. vehicle usefulness, so we have had to move up our car replacement date. I'm hoping we'll be able to refinance the loan perhaps by next year. In the meanwhile, we are disputing the way our last car loan is reported to the services as we reaffirmed it, paid it separately from the Chapter 13 trustee disbursements, and paid it off without problem...we figure it couldn't hurt. At any rate we hope the rate'll be better than our last 16% through Capital One.
Yep, I agree, time to unload the current car ASAP. I would try Volvo or Ford again anyday. I plan on going with either Volvo or NFCU financing on my next car... Volvo financing if I qualify for the incentives
FICO 8: 
Goal: Gardening!
Goal: Gardening!