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  1. Hey everyone, Long story short, last year I took on an auto loan through TD Auto Finance at an interest rate of 19%. My monthly payments on the car are around 300, which is easily manageable for me, and I have had no late or missed payments in the last year on the loan. I was contacted by the company I purchased the car through to let me know they can get me a lower interest rate if I refinance by purchasing a newer car. My current loan has around $10,000 left on it, and it's on a car that's currently worth about $5,000 - due to the extremely high interest rate. My main concern at th