<prompt> Human: Hey guys Im not sure where to ask this or just to get opinions or advice. So I just got a new car yesterday a scion xD my first car ever. Went to the dealership with my cousin. The car is 20346.52 total, but I have no credit. Which I knew going in and they told me a score of 0. I put 5k down, but had to get a loan for the rest. They told me 24 for 72 months so my car payments each month are 381.22. What I dont understand is the annual percentage rate is 21.15, the finance charge cost me 12,101.32, and the amount financed is 15,346.52. With my total payments it would be 27,447.84. So in total I will be paying 32,447.84. Maybe Im just stressing because thats not what I thought it would be for a subcompact car. Or Just dont understand how this works. Anyway advice or opinions to help me understand or tell me what I did right or wrong. My cousin said its good to build my credit because I have none and I should also get a credit card soon.Assistant: So did you get the car? Like is it on your driveway right now? Human: yeah its in my drivewayAssistant: Do you have a bank account checking, savings? If so, go talk to them and see if they will give you a loan to pay off the dealership. See what their rates are. I bet they are a lot better than 24. To give you an idea, I just checked the rate at my credit union and they range from 3 to 13 for a 72 Month auto loan. That means 3 for people with excellent credit to a worst 13 for people with no credit like you.Human: I didnt talk to with my bank because I only have a debit card. But my work has a credit union. I talked to them before I went to buy the car. The credit union said since Im a first time loan they can only loan me max 7500 at 18 interest.  <response>: Shouldnt that have been a hint? Your credit union offering 7500? You bought a car you couldnt afford in the first place. Take it back if you can and live within your means. Be responsible. 