<prompt> Human: My credit history is short, Im 25, and my score is a very shotty mid-600 number. I could also go back to my home bank and use their loan at 11 apr, or double my loan and send this guy more money. Im new to this and he could be a straight shooter but I also dont want to get swindled. Help?Assistant: What interest rate did you sign for already with the dealer?Human: 9.5Assistant: Ouch not much better, but did you sign everything already...like it was all done??? I mean if you have the cash to put the extra money down...I would do it thats going to give you 9.5 return on the money you put down thats the best return you will get.As long as hes not trying to change the TOTAL price on you, or the interest rate even higher... keep an eye on that. I mean if you signed everything and have the truck...not much the dealer should be able to do at this point I would think..Human: We signed all the paperwork and everything. Thats what doesnt make much sense to me. We are currently weighing options with the dealership to see what would work best. I just want to make sure its legit bc Ive never thought I would still have to worry about this  <response>: if they put any new paperwork in front of you, you better read it all very, very carefully to make sure they are not trying to change the loan terms 