Car loan/re-fi? Suggestions?

Car loan/re-fi? Suggestions? I have 42 months left on my car loan. My interest rate is high. 16.99. My credit score is low 500. I do plan to have all my cc and loan paid off by September that should raise it some By December I should be able to save about 6,000. If I choose to re-finance I would only want a 12 month loan and I don’t think they do that. I do see 24 month opt...

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