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I don't think you mentioned what kind of car you have now? If it is reliable, just keep it until it is completely broken and not even worth repairing.
If you drive a lot of miles and travel long distances, then you want something reliable (if buying is an option). It does not matter if you have CPO as if your car breaks down in the middle of nowhere, that will not help you then.
And of course, if you are on a budget, getting into another loan is not the best idea.
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