If you can swing it in your monthly that would be a bit better

Hmmm that’s not a great score but not terrible either 13 still seems high I’d def shop around see if you can at least get to high single digit. For the credit part are you using a credit card on the norm to boost it?

13% way to high if that’s the dealers fault find a diff one if that’s due to low credit score save up cash/improve credit for a while