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You should (if you can) save up to buy rather than take a 10+% interest rate.

I kinda need a car soon because my current car has leaks all over and no working a/c. So I was really just wondering if getting refinanced is easy

If you need the car, yes, but pay that bad boy off in 18 months or less. If that is. It achievable, go save more for the car.

I could definitely pay it off really early because I have no other expenses

If you can pay it off quick and need the car… I don’t see a huge problem. I see a problem if this loan goes on for 3, 5, 6 years..

> So I was really just wondering if getting refinanced is easy

Your OP title asks a different question.

"Easy" is a relative term.

I’m sorry I made the post too quickly. I have a good credit score so if a bank sees that I’ve paid off months of the loan, will they have a higher chance of accepting me?

It won't be any easier to get another car loan once you have this one. It sounds like your credit score isn't the issue and your verifiable income is. That won't change quickly.

I bought a new car last year and was receiving letters/advertisements to refinance it already. Hasn’t even been 12 months.

I’m going to guess the turn-around time to refinance is something short like 30 days. Now that doesn’t mean you should rush to refinance. Make sure your credit score has improved somewhat significantly since the time of financing, because the higher score will help grant you a new lower rate

it is cheaper to fix your current vehicle than pay 10% apr.

What makes you think you'll be able to refinance it later on if the only loan you can get now is 10.74% ?

I’m not sure what you should do but hell would freeze over before I financed anything at that rate.