<prompt> Human: Last December, starting my career, I wanted a reliable auto to commute to work each day without fear of catastrophic failure been through too many beatersThe 10K car was financed at 23 with a credit score of 550 and several negative items on my report from years prior. Essentially paying double the cost of the car over the span of 60 months.Come January, I anticipate the only negative remark to remain on my report is a repo on a lemon car from 2015. As of now my score sits around 650 and several inquiries will be dropping off in the following months which should bring the score up further. Likewise, I am actively working to remove all negative items to the best of my ability. There are 12 accounts in good standing with an average credit history of 18 months.At a salary of 60K per year, I am planning to trade in this little car in for a much more comfortablereliable car to the same dealer.Also: My credit utilization is under 9 with 100 payment history. That old debt being the only caveat.I would appreciate any advice andor thoughts on this scenario.What sort of APR should I expect? Is it worth it? Ill take any and all opinions even if they outright tell me not to bother. ;  <response>: Youre starting the debt treadmill. Youve paid 3300 towards your car and about 2100 of that was interest. Now youre looking to increase your debt load again? Pay that car loan off and buy cars with cash. 