re: Need advice. I have messed up. What should be my next move?

quote:

---

Even though I have already given the down payment check to the dealership and signed all of the papers to purchase the truck, I can still refinance with a bank/credit union? That down payment money is no longer in my account.

---

You're refinancing the $8500 loan on an item that's "worth" $25,000.

If you're in BR, call any of the "big" credit unions: Neighbors, Campus Federal, Dow, Eagle, etc. this afternoon and ask them about refinancing an auto loan with them.

Tell them you have an $8500 loan on a vehicle that's worth $25,000 and you make $X/year. They'll be able to approve you in minutes.