I have a credit score of 579. I currently have a vehicle loan with US bank for 15500, that i have paid on time for the last 12 months. I called them and they said i have good withstanding credit with them. I currently need a new vehicle and am looking at suvs. Do you think it is possible for them to lower my interest rate and, say, add on another 10,000? All this considering i have good credit with them? I am in the Army and plan on staying in, so I have a guarenteed job, will this play a factor?