<prompt> Human: I went to a used car dealer and traded in my POS, 00 Nissan for 1000 worth of trade-in credit and blindly signed a bunch of paperwork out of desperation. The salesman told me that the loan company will be calling me to finalize the loan and when they do, I am supposed to tell them that the 06 Ford Ranger has all the extra options and that I put 1500 cash down on it.Both are lies.I paid 100 cash, owe the dealership 400 and they gave me 1000 on paper for my trade in.After Id made this rash of bad decisions, signed all types of paperwork and had the truck in my possession, my boss asked about the APR for the truck. As it turns out 21 is kind of really high for someone with my credit score 590ish.So the question is: should I tell the truth to the loan company about this being a bare-bones model? If I do, what can I expect to lose the loan, the truck, my shitty old car I traded in or all of it?  <response>: 21 is not high for a person with your credit score, its average to below average. Thats third tier, Santander or the like, financing which is why they want you to lie.You should try and get out of it.21 is absurdly high for anyone that as a 700 score. 