<human>: My wife and I live in Chicago and consolidated our two kinda-shitty cars into one nice new car last November -- financed ~$21K at 4.59% APR, equaling $335 monthly for 72 months. We're being relocated for work next month to Florida and will need to buy a second car relatively quickly since we'll no longer be able to commute by train.

With the moving expenses adding up and our companies only covering transportation, we have about ~$4K on-hand to put towards another car (new or used) at the moment. Ideally, this second car would have a sticker price of $20K-$25K max and would only equate to another $275-$300 per month for 72 months.

Given the 4.59% APR, we were looking into refinancing the first loan anyway, but does it make sense to try and consolidate this loan and a loan for the second car into one larger loan at a lower rate? Is that even a "thing" you can do at a bank? Or should we keep the two loans separate? OR should we say "screw it" and just lease the second car for now? I'd rather not lease, but unsure of the best path forward.

Thanks all!

Condense the text into a few key points
<bot>: Already have a car loan and need a second car in Florida ASAP. Have $4K available for a down payment. Do I refi into a larger loan? Keep loans separate? Lease?