Seems like you overpaid for the car to begin with.
I'd start with some local CU's they are pretty lenient. I know some around here will start decent apr's (~4%) at around 640 mark.
Learning from my past and rebuilding..
BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659
QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |
