<prompt> Human: TL;DR: Dealership wasnt forthright about the cost of the car, our monthly payments are not what they promised, and the car seems like a lemon. They say theres nothing they can do to change our loan even though we were basically lied to about how much we were paying. Are we screwed?---My gf and I found a car online we wanted for 6995. We went in, test drove it, there were some issues with the car, but after their mechanics looked at it, they said it was a minor fix, and it was good to go, but because of that we were able to talk the salesperson Frank down to 6195.But we had to leave the car overnight because they wanted to make sure they fixed the problem. Frank, my gf, and I spoke to a manager Tim, and said we wanted to pay 138mo, he said he could do that. Frank said hed finish writing up the deal so that all we had to do when we came in was sign it, and wed be on our way.The gf went in by herself the next day, they said the car was fine, and she signed the paperwork, assuming that everything was still the same: we were buying a car for 6195 and wed have 138mo payments. She noticed however that the payments on the form said 225. She asked the accountant about it, who said she could change the loan to 60 months to make 138 work.The gf signed everything and we were on our way.About a month goes by, the car started having the same issues again and some other things just started falling off the car - smells like a lemon, so we started looking through the paperwork to see if our warranty was done or not. We called the dealership to tell Frank that the car was having the same problems it did on the test drive, but Frank was no longer working there. They said bring it in though.As we were going through the paperwork, it looked like we were actually charged 7395 for the car. Plus a warranty for 1600 that we did not know about, plus some other fees, and that our monthly payment was still 225mo.We go in to the dealership and tell them about it, and they pretty much say theres nothing they can do about it, unless we want to trade in the car for a different one.They say that once we sign the paperwork, its done and the loan and monthly payment cant be changed is that true? Even under these circumstances where it seems like we were basically lied to?Edit: Thanks for your help everyone. Were going to see what they have to say on Saturday, and go from there.Assistant: Things you did wrong:1. You didnt have the vehicle inspected by a trusted third party mechanic that YOU are paying.2. You did not secure a loan before picking out a vehicle.3. You were attempting to negotiate the monthly payment instead of the total price this is where it helps to have your own financing secured beforehand.4. Your GF signed contracts without reading them in full. Doesnt matter what they say. Contracts like these are written so that the only thing that matters is what is written specifically into the contract. It doesnt really matter what they said if you dont have it in writing.5. You had ANY amount of trust for the car dealership.Sounds like an expensive life lesson to me.Human: What if we go to one of our banks and get a loan to pay off this loan? That way we have our own financing and can get the payments we want etc. Is that doable?  <response>: It seems like I could sell you a candy bar for 30 if I say its 0.50mo for 60 months, rather than those expensive 1.00mo for 20 months offers. You do see that the only thing that matters is the total cost, and by lowering your monthly payments youll probably end up paying more in interest overall, right? 