My credit wasnt good either (nasty divorce) and I was upside down on my trade, but still got a deal that worked for all involved. Ingacio was fantastic. If you want to see your options for trade, go in and talk to him. As far as refinancing goes, your best bet on that usually will be a credit union. They tend to have the lowest interest rates. Dealership wouldnt be able to help you with that (at least, not officially, they might have some insight as to what places tend to have the lowest rates, but that's about it). Hope this helped.
Call them or stop in.
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