<prompt> Human: Hi guys goodeveninggoodmorning, i just want to find an answer why the monthly payment and the total sale price of the car is doubled from the cars msrp. backstory: we were immigrant and green card holder and came to California 2 years ago, my aunt has a bad credit and we had no knowledge about credit score and everything before since we dont have that in the Philippines, and in here a car is a necessity to go to work since the transportation is not that convenient. But right now i just checked the contract, and i was shocked and sweating seeing the sale price of the car doubled because of the 20.39 APRheres what it says in the contract:APR: 20.39Finance Chargethe dollar amount the credit will cost your: 16,110.34Amount Financedthe amount of credit provided to you or on your behalf: 21,664.50Total of paymentsthe amount you will have paid after you have made all payments as scheduled: 39,774.84Total Sale Price the total cost of your purchase on credit, including your own downpayment of 4,000 is 41,774.8471 pmts, 532mo. sorry for the long details, Im his son 23 yrs old. and didnt have any knowledge about cars and how it works in USA too like 2 yrs ago. but overtime, i understood how credit score works and APR terms. i just need someone to tell me whats the best course of action in this matter or are we too late? :Assistant: The numbers are right for 20 interest but your dad must have terrible credit to get a rate like that. Try banks or credit unions to shop around for better loans. If he signed the contract already then you are stuck. If you cannot find a better loan then get a lower priced vehicle or pay more in to it.Human: Hi thank you for the reply, its not my dad. and i dont have a dad, its my aunt. i stated it in my post, we had no choice and no knowledge when we came in to USA and we really needed the car for work and send my bros to school, what im aiming for this post is what is the best course of action to lessen our loss. :  <response>: we had no choice Of course you had a choice. You could have bought an older but completely reliable vehicle for less than half of that purchase price. You just bought into the idea you needed and wanted something newer and fancier. 