@lyndandej wrote:
I have an Auto loan with high interest rate. I would like to reference it
That may be a good idea as long as you don't also increase the payment length. (Don't turn a 5 year loan into a 7 year loan to get a lower payment, it isn't worth it in the long run and you don't want to be making payments on a beater.)
Check with your local banks, or credit unions. Your auto insurance provider may offer loans. If you are a member of an auto service club like AAA, they may offer loans in your area.
Your ability to qualify for a loan on a used car will depend on your credit, your other debts, and maybe the age and condition of the car.
