<prompt> Human: I have had bad credit. I am now about 620-700. I have an interest rate of about 28 on an 06 Jeep Liberty, and have been paying the 380 payment for over 3 years 5 year loan. Ive never been late, but the car has over 100k miles. Therefore, every bank that I try to refinance with turns me down. I dont get it. I cant seem to get a personal loan either. Logically, if a bank could look at my history of payments, they would realize that they could make some money for helping me out. As it stands, my pay-off amount is about 8,000, but if I continue with this bank, I will be paying thousands more. What can I do? Go to the mafia? Assistant: As it stands, my pay-off amount is about 8,000, but if I continue with this bank, I will be paying thousands more. What can I do? Live below your means and pay it off. Human: That isnt really an option, as I have a wife and child whom I support and middle class in the USA isnt what it used to be.  <response>: Yeah. there are many redditors like that; and they do manage to set aside say 500 more every month; which would mean you could pay it off within a year. If you want to prove you cant live on less, show us the numbers please. 