Hey stop the presses, everybody. A couple of things need pointing out here...
Amador, if your husband has been paying 24% on a car loan for 21 months and his payment record is good, you need to go to more sources than just Roadloans.com for a loan. I would venture to guess that your husband's "auto enhanced" score is going to be good enough for a bank or credit union to refinance that car at a very attractive rate.
And here comes some tough love...
To "Score-is-497-hehehe"... sit down, we need to talk. You had $18,500 in cash to spend on a vehicle and you decided to go into debt on a used Mercedes with a 24.9 interest rate? ARE YOU CRAZY? Do you have any idea what kind of excellent vehicle you could have PAID CASH FOR with that kind of dough? Was the Mercedes some kind of "status" thingy for you? Seriously... with sincere respect, I hope others are learning from situations just like yours. Kudos to you for saving up $18,500 but shame on you for using it to go into debt with a "car loan shark" like you did.