I financed a 2000 Explorer XLT last night from a GMC dealer...I got financing through GMAC with a co-signer for 12.5% for 5 years...I have a 1 1/2 old discharged BK...my other car was listed as included in my BK but I continued to make the payments...once the last payment is received and they have the car back, they are suppose to list the car as paid as agreed on my credit reports. My questions are...what should I do about getting a lower interest rate? How long should I wait? Where should I apply? Any and all advice is welcomed! PS - my credit scores arent too bad...they range from 604-635...the dealer actually pulled better scores 625-650.
