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I was able to get two Toyota Car Loans this year at a very high interest rate - the dealer went up to bat for us since our chapt 13 bk was discharged only 1 year ago (4 years ahead of plan!). With my credit scores being higher than my husbands and his income is so good, we were able to get approved. We need to try to refinance these loans because the payments are unbelievable. We both needed cars (mine was totaled in an accident and his was 10 years old).