Hello friends, i was wondering if you guys knew what's the best route to refi a car loan. I bought a toyota corolla last year, but since i was the first time buyer and my credit score was only 615 at that time they put me for 19.99 % apr. i put down 2 k and the loan amount is 12 k. I have a stable job now and it's been a year i've been making payments on time and more than the minimum required. I also have lots of balance on my credit cards. however, my credit score is still only 655. most of my friends score jumped after few months of car payemtns but mine didn't, any idea? i tried refinancing through credit union but they declined saying lack of enough job history. i hold a new perm job for like 3 months, been working fulltime for two years and i've been in the country for 5 years. what do you guys suggest, i feel like i deserve better than 19.99 blood sucking apr.