Looks like a huge difference in light output, but it's kind of hard to tell from a head on pic. Do you have another pic showing the beam on the road in front of the vehicle? To show the distance, etc. I'll have to look at buying new bulbs online. Might be a pretty big improvement from my current...
If the bulb is dead the green arrow blinks faster. Something to do with the resistance in the circuit I think. Maybe the filament is broken but reconnects sometimes when the two ends touch. Replace the bulb.
Have you considered leasing a vehicle. That could be a better option for you instead of financing. It's also a form of financing, but different from a loan.