...wait a year 2 refinance.true? Yea the last of the little guys w/ no overhead. I bought my lst vehicle through there new start program cause of credit at 9% In house,I traded it back and got 3500 towrds a 06'Suzki XL -7in great shape but am realizing that not only was the vehicle sold to me for too much but also that at 18% w/ the new loan I'll be super upside down in a yr. should I try getting an older vehicle and roll the appx 2500$ immediate loss after consignment into a new loan, or just tuff it out ?Is there a descent car dealer out there? that I can talk to?