<prompt> Human: Earlier today my moms vehicle went out and Im trying to gather some money to fix her vehicle and help pay some bills. I got a letter in the mail yesterday saying I was preapproved for a loan for 5,250. The letter says Id have an APR of 26.14 with payments of 177.44 over 48 months. Im not quite sure, but this seems like Id be paying back more than I should. I have an excellent credit score, but a lot of this stuff is just new to me. Any help suggestions would really be fantastic right now.  <response>: 26.14 interest is really high. You should be avoiding loans with such a high interest rate if at all possible. 