Holy shit. Id tell you just to sell it and start over but youre so far in the hole it wouldnt even help.


Get to a local credit union ASAP. Run; dont walk.

 

 

I know it won't help now, but that was irresponsible. You definitely need to get refinanced, and don't modify the car.

 

irresponsible - yes
don't modify - too late

 

Holy crap man! 17+%?! My credit card rate is half that!

I second KeithMajkasays' recommendation.

 

i cant do any of that, my only option is to find a lender who will refinance a high mileage vehicle.

 

Blue book on that car is much less than you owe.

I don't think you are going to get out of this one. You have an 8 year old car with high mileage and are way upside down.

 

Holy ish!!!

I pay 1.9% financing.

I've met a someone who was silly enough to sign for a rx8 with 0 due at signing as well as horrible credit at a rate of 30%. He did try hiring a lawyer but they said "you signed it, therefore you agreed to the terms"

 

600 is not average good credit.

average is 650
good is 750


650$ is a ridiculous payment for an old car with 100,000 miles. i dont think banks will even finance something that old.

sell your car, pay off the remainder, and get a reasonable used beater (corolla, camry, civic)