I want to lower down my APR and monthly payment since I got this at a very high APR since I haven't build any credit yet. Now my score is in 650+. I want to take advantage to lower it down into 6.5% APR or lower which ever is lower. Am I qualified for this?

Congrats on raising your credit score. I know how exciting that is. And you do deserve a better APR since you now should not be considered “bad credit” anymore. I would suggest that you fill out an application with our auto refinancing partner here. They can get you up to 4 offers that will hopefully get you the interest rate that you seek.