Refinancing my 12% car loan

Refinancing my 12% car loan My old car was stolen and I need a car. I found a car that’s 22,000 but interest rate is 12%. It would put me around a 37,000 car when all is said and done. I am planning on keeping the loan term the longest possible for the cheapest payment while planning to refinance in the future. When can I do this? How would I do this? Is this a decent plan...

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