<prompt> Human: In January of this year, I bought a 2016 Toyota Scion IA. I was in my last semester of college and had nothing but student loans affecting my credit score which was at about 580 at the time. My parents were unable to cosign for a loan but fortunately I had a family friend who worked at a car dealership and was able to finance me. My grand total for the car was about 19K with a 13.9 interest rate on a 72 month loan. I put 6k down and still have about 12k left to pay. My payments are set at 270 a month but Ive been paying 300 in an effort to pay off the loan quicker. Since then, Ive gotten a credit card and have been paying both my car and credit card payments on time. My credit score has gone up to about 680 and now have a second job and am living at home so I am saving a decent amount of money. I was thinking that once my credit score reaches about 750, I would try to either trade in my car or at least refinance it. I like the car and it has all of the commodities I could want backup camera, steering wheel controls, touch screen, etc but it probably isnt a car that I would want to work hard to pay off for 5 years. Although it does have 4 doors, it is very small and since I am pretty tall, I would ideally like an suv or at least a full size sedan. Also, I recently learned that the Scion brand will no longer be produced and I am afraid that this might depreciate the value of my car. As I grow older, I also think I might quickly outgrow the scion style which seems to be geared towards a younger crowd so I worry about spending so many years paying off a car that I dont absolutely love.On the other end, Im not sure if trading it in is a stupid idea. Im not sure if I would lose a ton of money if I jump ship so soon. I was hoping if I trade it in now or once my credit score improves a little, I could receive enough to cover the loan and also put a down payment on the next car. Since my credit score is getting better, I was wondering if I could get a better car but keep my payments at about what they are now since the interest rate would hopefully be lower. So I guess all in all, would it be better to trade in my car before it depreciates in order to get a car I love? Or would I lose out on too much money? Should I just suck it up and stick with this car and try to refinance it once my credit score gets a little higher?  <response>: On the other end, Im not sure if trading it in is a stupid idea.It is.Someone will end up paying for the car. Hint: Its you. 