<prompt> Human: My credit began in the low 500s and had been working on it for nearly a year and was really proud of myself when I saw 730 on Credit Karma. At that point I was finally ready to purchase a new vehicle. I did a ton of research beforehand and found the right price before walking into the dealer. Settled on 14,500 and thought it was all over. Was embarrassing meeting up with the finance manager and finding my credit actually wasnt 730 but was actually 560. Hitting it with 5 hard inquiries didnt help either. Now Im left with a 5.15 interest on 13,000 for 60 months. He had suggested to refinance after 3 months once my credit score rises.Was curious whats the best way to handle this? Is 5.15 really not that bad, or is it atrocious. When should I refinance? Should I refinance at all? No idea where to start and could really use some insight!  <response>: The only reason he wanted you to refinance after 3 months was because that is usually the minimum you have to retain the loan for the dealership to make their money off the financing. 