<prompt> Human: I was in a car wreck about 6 months ago, and was out of work for over a month. During this time I blew through my savings. However, I needed to get a new vehicle to go to work, so I went to Drivetime to see about getting a car.Long story short: They financed me with a minimal down payment, but at a very high interest rate. 20I have spoken with my bank, and they cant offer me financing at this time. However, I have also received a pre-approved restructured auto loan offer in the mail, from a company called Openroad Lending.I am curious if anyone has any feedback on the company, or can offer me any advice. Assistant: Of course you cant refinance because you owe the bank more than the car is worth. Getting out of that deal through a refinance would mean the bank is throwing their money away, giving it to you for nothing in return. The way you escape this is by paying your loan down faster. Any company offering you any special program is more than likely not a good financial move but I guess would be worth looking into to verify? Human: Is there any way that I could get my interest rate adjusted? My credit has improved considerably since I originally got financing, as I have finally paid off nearly all of my credit card debt.  <response>: Seconding this- try a credit union. Do NOT finance beyond what the car is worth. You will put yourself in a terrible financial cycle. As an insurance adjuster, I routinely see people 3-15k in the whole - and they dont care! Dont be them. 