What's the lowest interest rate for someone with excellent credit. I'm at 4.9 on my current vehicle. I know I'm not getting anything that low.

I have a 2019 caddilac xt4 sport, I owe about 25gs, it's in great condition but I'm at 80 thousand miles. I use it a lot for work. Should i get rid of it now or wait?

I want to learn how to buy a car without getting ripped