u/Ill-Neighborhood-546

I need some advice with a possible refinance decision on my car loan.

So, in October 2023, I made the impulse (stupid) decision to trade in a car for a 2024 Honda HR-V. My bi-weekly payments are $346,53 @ 7.49% for 72 months.

I went to the dealership recently to hopefully find a way to reduce interest and or payments (if possible) and they offered a trade in for a 2024 vw taos comfortline (74 000km) for $243 bi-weekly @ 7.99% for 96 months. I left telling them I would think about it. The more I thought about it, the more I thought maybe I was getting a crappy deal. My vehicle only has 28 000km…

Am I better off just sticking with my initial payments for the remainder of my loan instead of this offer they gave me?