I have a Nisan Pathfinder 2008 that is 93k miles and desperately want to replace it. The issue is that my pay off is about $12K and current interest rate on it is about 17%. This I got like 3 years ago when my credit was bad but not I'm at 658. How do I get rid of this car and get a newer car?
17%? Ouch. Start by refinancing at a local credit union. Most won't charge you for the refinance, and you can lower your rate to 3% or lower pretty easily. Then use the savings to pay that car off quickly.