Why would you go to the dealer to get your car refinanced? you might want to try going to a bank for that. Also since they are offering you the same or lower payments your proboly having to pay the same payments for 60-72 more months. And if you just keep what you have it will be YOURS, not the banks before you would have ever paid of the new one. Plus you most likely have negative equity on your currant one so your basically throwing money away. If it ain't broke why replace it?
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