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What do you mean by upgrade?
Nevermind, I needed to read it a second time, now I get what your saying. Every mile you put on drops the value of your car. I'm not sure what your banks problem is since a new loan would just pay off the current one, I would try another bank or get the dealer to try. The dealer will probably pull your credit once then talk to several banks rather than having each bank pull your credit individually.
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