Update: I got a new vehicle last week! When I was discharged from bankruptcy, I bought a new vehicle in June 2018. I was looking to add leather to the vehicle, and went to my dealer. It turns out I was able to upgrade to a 2019 model, same vehicle but higher trim line. My payment went up $30, but my interest rate went down 5%. Since I was even on the 2018, I decided to trade it in. I had 10.5% on my 2018, now have 5.95% on the 2019. Both were Honda CRVs.