<prompt> Human: I need to buy a new car and I am wondering how to go about locking in the lowest interest rate possible. My credit score is pretty bad 565 because of a lack of history and maxed out credit card, so I will need a cosigner. I am looking into financing a new Jeep. What interest rate could I expect on a 72 month loan with a 565 credit score and a cosigner with a 700 credit score?  <response>: You want to finance a new jeep and you already have a maxed out credit card?Your interest rate will still be quite a bit higher than normal, the cosigner simply allows you to get the vehicle, not technically give you a magical interest rate.Sorry to sound harsh in my post, but you really need to get your credit and financial situation under control, and a brand new jeep is not the way to do it. 