Should I refinance my auto or purchase a new one?

My SUV is a 2005 and when I purchased it I got a 12.95% interest due to bad credit. My credit score has greatly improved since.

I was debating on rather I should refinance my current auto to lower the rater or just go purchase a new one which I would get a lower rate on?

Does it matter…would either one effect my credit worse?

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