I'd first like to repond to those people who have gave me their input maybe I should add that I CAN afford my car I'm not behind on my payments, or even late etc as anybody who is trying to put money in their pocket -I was wondering if I can get a better interest rate and a lower payment- as far as showing off- I have a Nissan Altima and if that's showing off I'd like to see what you're driving.

Anyway to avoid these type of comments let me add that my score is low but I have been paying my debt monthly and am current with all my creditors

[centex]

Check with your local credit unions. They usually have better rates and will give more of a benefit of the doubt in questionable loan decisions.