<prompt> Human: I took out a loan last January for 4000, which I used to buy a car.I didnt know much about loans so I just used went with my current bank...I didnt realise the interest was so high. TITLE TYPO: 26.70 APRIve now got 2300 left on the debt, im 19 months in and have paid 3123 so far including interest.I realised that if I dont do anything about this loan, then ill be paying another 3600 to pay or the remaining loan of 2300.I want to find a loan that has a lower interest rate, some people have suggested moving the balance to a 037; interest credit card, and overall im not really sure what to do.My main issue is that my parents dont know that I took out this loan, my dad doesnt believe in them and I know that if he found out about the loan he would pay for it himself in full, but I know he cant afford that. So whatever I do, I need the process to be all online and for no letters or anything to come to my home.What would be the best course of action?  <response>: Repay that thing immediately! Even if it means involving your dad. The interest is killing you.Its better to repay your dad later than to work maybe hundred hours for minimum wage just for the interest. 