<prompt> Human: In Nov 2016, I bought a car. The car was 9,500, and I put 2,000 down and financed the rest. There were apparently some hiccups with the initial rate I was given, and the BMW dealership I bought it from wound up financing me through a different company than the one we had agreed upon.Well, Im looking and I see the amount financed was over 12,000. But I got to looking today, and the loan term is 72 months, with payments at 238.18 a month.That means a 9,500 car is going to have cost me 19,148.96.What the fuck?!?!?What in the HELL am I missing in this equation? Im going to find all of the paperwork from the dealership when I bought my car, but I cannot possibly wrap my head around how this could be accurate. Its a nice little fuel-efficient car, but I bought it used.Assuming this is all correct, and the dealership got me a worse loan than the one agreed upon when I signed the paperwork, do I need to contact a lawyer or something? Because this shit is clearly out of hand.EDIT: I appreciate all you guys comments, and it is abundantly clear that Im in this mess due to sheer ignorance on my part. I thought about deleting this post, but I figure Ill leave it up as an example that hopefully others can learn from, as much as I have.Assistant: So your loan was actually for 12,000 more than likely but if you went to the life of the loan, youd pay a total of 19,000 whatever in payments. Multiply your monthly payment by 72 and thats the total youll pay. That number includes your interest rate which is why Human: I see. So my best bet really is to just pay off what I owe as quickly as possible, and avoid paying interest?  <response>: Also, if you have a good standing with your bank, see what their rates are and transfer the title over.The first car I purchased, with shitty credit, at the dealership had a 22 interest. A year of getting my credit in check and I was able to drop that down to 6 at my bank. 