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You may be able to refinance a bad car loan and get a lower monthly payment and better interest rate if your credit score has improved since you initially financed your car. Generally, you need a credit score above 640 to qualify for refinancing. If you notice any errors on your credit report, contact the credit bureaus to get them corrected before you apply to refinance your car loan.You want the highest and most accurate score you can possibly have. Set aside time to complete applications with several lenders to refinance your car. You'll need to provide basic personal information to establish your identity and income, as well as information about your car and your current loan. Use free online services, such as Credit Karma or Nerd Wallet, to find lenders more likely to approve your application based on your credit history. Apply to at least 2 or 3 lenders so you can compare rates. Each application you submit will result in a hard inquiry on your credit report. However, multiple inquiries for the same purpose typically won't impact your score significantly. Provided you meet the minimum requirements, you'll likely have 2 or 3 offers to refinance your car. Rather than immediately going with the first offer, take the time to compare so you can find the best offer for you. If you're interested in saving money overall, you generally want to go with the lowest interest rate even if the monthly payments are higher than what you're paying now. However, make sure the additional amount will fit into your budget. If your current monthly payment is too much of a strain on your budget, look for a loan that has the lowest monthly payment. This may entail extending the term of your loan relative to the original, or paying a slightly higher interest rate. Once you've chosen the offer you want, the new lender will have paperwork for you to sign so the new loan will go into effect. The lender will connect with your original lender to pay off your original loan. You may need to contact your original lender to let them know in advance that you are refinancing your loan with a different lender. Find out from the refinancing lender what you'll need to do before you sign the paperwork. Get a copy of the signed loan agreement for your records. Keep it with your sales contract and other car documents so you can easily access it when necessary.

summary: Check your credit score. Apply with lenders to refinance your loan. Compare offers from different lenders. Sign the contract for your new loan.

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You don't need to fake cheeriness, but try not to get bogged down in worrying about the particulars of your relationship. Let your time together be easy, fun, and stress-free. If you and your boyfriend only ever talk about the heavy stuff, he may have formed negative associations around hanging out with you. That said: if you need to talk about these things, you may as well let them out. Whether it's a walk, a trip to the beach, or a movie night find something that you both can get excited about. Consider what he's into lately, and what he might most want to spend his time on. Think back to where you met him and what the two of you did together at the beginning of your relationship. Find common ground. If you aren't sure, you might need to take a more active approach. Try as many different things as you can until you find a few that you both enjoy. Think about what he does with his friends. You don't need to do these things, and you shouldn't cut completely into his friend time but it might help to understand where his time is going. Engage with his thoughts and feelings while still being true to your own. Be considerate, and don't force him to do things that make him comfortable. Don't try to make him jealous or stressed-out just so that he will hang out with you. When you are hanging out together, try to strike a balance between what you want to do and what he wants to do. Sometimes, you might have to spend time doing something that bores you in order to be around him. If you do things that your boyfriend likes doing, he may be much more open to spending time with you when you're doing things that he doesn't enjoy. For example: Say that you hate baseball, but your boyfriend loves it and you love going to museums, but your boyfriend can't stand them. Make an agreement: if you go to a baseball game, he'll accompany you to a museum! . Check back in periodically to see if things have improved. If you find your boyfriend spending more time with you in an enjoyable way, then you should keep doing what you're doing. However: if he still isn't spending time with you despite your best efforts, then it might be time to end things. You may simply not have common interests; he may not like you as much as you think; or he may just generally not spend much time with his partners. Whatever the case, he's clearly not giving you the attention you need so if you aren't comfortable, you might consider leaving him.
summary: Be positive when you're together. Find activities that you both enjoy doing together. Be kind and open. Compromise. Know when to end it