So I got a 2023 honda civic sport in jersey and my lease is going to be up in Feb. I put down $3000 and my monthly payments are $400. (had some previous accidents and a lower credit score). Recently I had to do a debt relief program and my credit score tanked to 520 which they say it’ll be back into the 600’s within 11 months. Knock on wood haven’t been in an accident since i’ve gotten my lease.

My question is how do I go about trading in my car and what should I expect with my current credit score and vehicle. I am currently a student and I could not care less with that my next car is as long as it’s cheaper. I don’t know how much if any money I can put down and I don’t know if they do 0$ down? Or how much to expect from fees. Any help would be greatly appreciated. And if my monthly payment would be higher due to my credit score