<prompt> Human: Im in the process of rebuilding my creditcurrently 580. I bought my car in June and have been making on time payments ever since. Im 9 months in and am ready to refinance. I keep getting notices in the mail from refinancing companiesopen road lending and lending Club saying that Im Pre-Qualified, but they all have shitty reviews. Who should I refinance with? Anybody have experience?Current Loan amount- 30,500Current APR amount- 28.5Credit Score- 580Thanks!  <response>: I would like to know, respectfully, why someone with terrible credit who can only get a 28.5 interest rate loan buys a car that costs more than 30k 