<prompt> Human: I have around 1500 every month to do whatever and I got approved for 34,716, monthly payment of 650, APR of 10.39 for 72 months with 0 down. Should I try to apply elsewhere for a better rate or is this pretty good for an auto loan?Edit Thanks for the suggestions guys!Assistant: That loan is awful. If that is the kind of rates you are getting quoted, your credit is likely terrible. If you can save 1500mo, I would save up a few months and buy a used car for cash. Human: My credit is around 710 and I thought so, just wanted to confirm my suspicions  <response>: If its a new car you should get 4 or less. If its a used car anything under 6 would be average. That rate is horrible. 