Credit Union Trade Shows

Refinancing my car help?
I am trying to refinance my car and was rejected by a bank as sole candidate, and rejected by a cooperative credit with a co-applicant. I wonder if there is somewhere that shows some leniency to someone with average credit. If you have any advice would be greatly appreciated. He also tried to trade for a lower payment for 4 months was also rejected. @ Dusty_titus, that sounds right. I want to borrow 12k and want to pay 80k back.
Stay away from all pawn shop or payday loan. You receive a short suspension and return to where it is now, except worse. Try to get lower pay again. They want money, not the car. In addition, to another job.
Sentry Federal Credit Union