<prompt> Human: Last February, I purchased a car from a dealership that helps people with bad credit. Its a 2012 Kia Forte Hatchback. Theyre charging me up the butt for it, with an interest rate of 22 because at the time my credit was around 590. Not the best decision, but it was an act of desperation. Fast forward a year, and Ive done quite a bit to improve my situation. Namely, my credit score has gone up to 700. However, the dealership wont refinance because its against their policy. Makes sense because theyre making thousands of dollars on the interest theyre charging me. I still owe 10k on the car and its worth 3000-5000, if Im being generous. I bank with a local credit union and tried to refinance with them, but was denied because of how much I still owe on the loan. My question is, what are my options? Should I try to refinance through another company? Buy a new car from a more reputable dealership? Im happy that my credit score has gone up so much, and would really like to use it to save me a couple hundred bucks a month on my car payment, and maybe even end up in a better car.  <response>: Buy a new car from a more reputable dealership?maybe even end up in a better car.Do not roll negative equity into a new car loan.Pay off the current loan as fast as possible. 