<prompt> Human: My old car died so I had to get a new one. The decision on which one and for how much to get wasnt really well planned walked in to the dealership just to look and ended up leaving with one.. Im pretty sure they fucked me on the cost but I didnt have too many options at the time and it was a nice car. I owe 22k at 12.79 which is 485mo. I am able to pay this but Id rather have more money right now so that I can be a bit more comfortable. Im ok with paying a ton in interest for the damn thing over a long period of time if I can get the payments to 350 or less so that I can actually put some money towards an emergency fund or pay off other higher interest credit cards.I tried refinancing in March but they claimed it was too soon for them to do that being only about 4 months after purchasing. I tried again recently but they claim the car is worth less than I owe about 17.9k so they wont do it.At this point, with the dealership doing all their credit checks, the first time trying to refinance going to 4 different banks and now this time, I have 8 hard checks on my credit which is the only bad thing on my whole report.Why cant I just print off my creditreport.com shit and give it to them without doing a hard check.. The credit union would offer me a 4 rate with my credit scores being about 710 on all 3 bureaus, if it werent for me owing more than its worth.Do I have any options at this point? It would have been great if Chase didnt accept my loan if they already knew it was underwater instead of fucking me over. Every other bank seemed to already know that ahead of time, why didnt they?  <response>: Your loan sucks, but refinancing it to a longer term at a higher interest rate is an absolutely terrible idea, especially if you can make the payments relatively comfortably. You did a dumb thing, doing a dumber thing doesnt fix it. 