<prompt> Human: First time post. I couldnt figure out the faqs so I apologize if this is common. So I bought my first vehicle with an actual bank loan 2 and a half years ago. I have 2 years left. My credit score has went from 535 when I got the truck, to 660 now. Its getting to the point where we need to think about getting my wife a car as her car might not make it another 2 years. I was wondering if it was bad to refinance the truck to lower the payment so that we could afford another car. I would only be interested in lowering the monthly payment on the truck I have. Im not looking to get any money from refinancing it. My current rate is 17.5 . Any advice would be appreciated.  <response>: 17.5!?Refinance that ASAP now that your credit score isnt so bad. Youll extend your payment period, but with a drop to a more normal rate, youll still end up saving in the long run while dropping your payment now. 