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Hi everyone! Hope you all can help me out with this. To make a long story shorter I went through a very bad divorce. About 18 months ago I got approved for a car loan through Crescent Bank and Trust out of Louisiana. My interest is around 24% and I financed around $12k with $2k down. When I obtained the car loan my fico scores were in the upper 400's and thats where they still are currently as I am just starting to work on it. MY question is this: I know I am way upside in my car more than likely for only having it a short time but do you think I could trade it in and get more of a car and a lower interest rate? Like i said I have NEVER been late on any of the 19-19 payments so far! If I can get a better rate how much better do you think I can get based on my payment history? Thanks and please add any advice below as well. I also have a few thousand dollars I could use for my negative equity if it is absolutely REQUIRED!