<human>: Alright, so I'm gearing up to buy a new car.  I have little to no credit history, though I did just get a credit card and started using it this past month.  First payment was yesterday, everything is paid off wonderfully.  As far as a job goes, I'm a server who makes about $2000/month, but nearly all of that appears in my tips.  I have plenty of paycheck stubs saved, but when I went to a local Hyundai dealership I waited around for five hours just to be told that I had insufficient proof of income.  Herp derp.

Anyway, I'm getting slightly impatient for a new car because the '99 Alero I'm driving has 170k on it and Oldsmobile went out of business for a reason.  Here's my question, financial friends: is it a good (or even plausible) idea to accept a "first time buyer" loan (you know the type, the ones with high interest) with the intention to refinance with another institution in a couple months when my credit score is boosted enough to do so?

Can you provide a brief overview of the text?
<bot>: Do I take a high-interest loan if my intention is to refinance after only 5 payments or so?  Is this stupid?  Is this smart?  Is this neither here nor there?