<prompt> Human: I am in need of a car. Ive had bad experiences with junky used cars, so Im looking at the higher end of used cars for reliability.I have found a 2010 Mazda-3 94,000 miles for 8,000. While I would like to finance it now, my credit score is about 670. I dont have any bad credit history, but its building from scratch. Next month, due to lower utilization, I imagine my score could be over 700. But if I wait, I may lose out on the car. Since I probably wont get a good deal on financing with a 670 credit score, heres my question. Option 1: Wait until my credit score is higher before financing a used car.Option 2: Finance a car now, refinance later. What are the downsides of option 2?  <response>: I would keep looking. I recently purchased a 2011 Mazda 3 with 34,000 miles, clean title, great shape for 8,000 from an individual. Thats a pretty steep price. 