<prompt> Human: Apr is 24 with a down payment of 1,700...with all the fees is what Im buying fair to what other people with no down payment or credit? I know the Apr is very high and theres hella fees but is it a average deal for a first-time buyer?I dont have a co-signer,credit and my income is only 1200 gross monthly  <response>: You are being taken to the cleaners with that deal. RUN, dont walk, away from it. 