My situation is: Have bad credit, but FORTUNATELY got approved for a 2000 infiniti qx4 for 7k + financing and fees = 10500. Which is a lot I know. But im re-building my credit and am trying to get it back on track. It is 511 now. The first payment is due in august 2010. How long do you think it will take for me to get a newer (NOT NEW) car, with a lower payment? PLEASE don't lecture me on price, my credit etc...im just trying to figure this out.