I want to buy a better car. Right now my interest rate is like 23% my my car but Ive been having it for 2 years. I still owe on it but I rather trade it in because if Im upside down on it, ill probably spend less paying the difference then I would to finish off the loan. Im 21 with 3 credit cards that are paid on time always. Had all 3 cards for more then a year now. Also have an item financed at conns thatll be like paid off in like 2 months. I want to finance something around 22000 at an interest rate of less then 10%. My credit scores are 662, 625, and 633. Will I be able to get a loan at that interest rate with my credit score? If not, what interest will I be kind of looking at? How long do I have to continue doing what Im doing to get that type of interest rate?