EV rebate to negate an EXTREMELY underwater loan

You will want Tier 1 financing to pull this off, being under ~720 on a FICO Auto score is going to severely limit which brands you can even target.

This is still a great resource for learning about your credit score and how it affects leasing/insurance

Ok

If you don’t belong to a credit union, join one after checking their auto loan programs.

You ideally want to refi this ASAP, if you had to bring a modest amount to get the LTV right to secure the refi, consider that. Give the new loan 60 days to report on time and see what happens to your score.

You also can’t rush your search because whatever you insure will be worth more and likely cost to insure more. A high MSRP vehicle with lots of incentives can still cost a lot to insure (plenty of posts if you search). You need to check that each step of the way, and you can start shopping for the best coverage now:

I understand not wanting to put more into this car, but if it’s not imminently going to incur a multi-thousand repair I would ride it until your credit can fully support whatever replaces it.

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