<prompt> Human: I got approved for a auto loan in September via USAA; the loan was for 12,700 at a 14.35 APR. I purchased a 2010 Chevrolet Camaro with 70k on the odometer that month. Discovers Fico Credit Score Card puts me at 646 for the month of Sept. Ive searched previous post and cant find anything recent in regards to acceptable rates. Is this APR normal, did I get swindled?edit: I contacted USAA to ask about a lowered interest rate. They told me that I can apply for refinancing at that the original loan rate was based off of my credit history, income, and agemileage on the vehicle; they use Experian. The income I reported in September is much lower than my income now. I plan to apply for refinancing in a few months once I get my credit score up by paying the rest of my balances and not applying for anymore lines of credit. Looks like Ill be able to pay off the 60 month loan much sooner than that. My current monthly take home is 3200 after taxes and I am accepting an additional job sometime in April. My rent is 500 a month, and the only bills I have are: car insurance 375, loan payment 299, Discover It Student Card, Amazon Prime Store Card, CapitalOne Platinum.Thank you for the advice and information.  <response>: Thats not a good APR.Credit Karma isnt what lenders use, though. 