I just recently bought a car from a dealership with financing. At the time of purchase I was a temp-to-hire working in IT. About a week later I got a raise doubling my income. I just graduated college so my credit history is only about 4-5 years old with a fair amount of debt on a credit card along with student loans. All debts have clean payment records.
It was very hard for me to get financing alone and ended up with around 10% interest rate. The car totaled around 13,000. My parents said they would co-sign but were not around at the time of purchase. Is it possbile to re-apply at a credit union or something similar for a new loan to cover this one with a lower rate? Is that smart?