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Thanks! I feel like this is going to be a crapshoot - but my dad who has high 700 FICOs and no debt said he will cosign for me if needed, then I can refi through my CU after the old loan is paid off. The only upside here is that I will be getting my same car but with 20k less miles :-)
My car was totaled 3 weeks ago - insurance has been a nightmare - I know I will get enough to pay off my existing loan. Question is when I go in will I even be able to get financing with the current loan still showing on my reports? Thanks!