Damn! :barf:13% sucks bad. I'm paying 385 a month for my Lex at 2.3% and my insurance is only 135 a month. Try cleaning up your driving record man and stay away from any car loan in the future above 5 or 6%. Hell dealers are practically giving cars away these days with almost no interest loans. I would just stick it out on the loan you got. Maybe try to pay it off early so you aren't getting killed on interest or refinance your car loan. If you have a clean payment history on it you can probably refinance the car loan at a lower rate like 5% or something. Depends on your credit though.