<prompt> Human: So after months of going back and forward, I finally came to buying a car from a dealer. Not necessarily a new one but a modern one and one that would require financing because I really didnt have all the dough to just pay up front. Here are some numbers for yall:The car was tagged at 9,797.00 and I put an extended warranty on the car that lasts 72,000m7 years, whichever comes first I was told later on that was overkill but he understood why I would given my last cars problems Total after dealership fees and taxes came out to some 12,500.My APR is at 9.08 despite me having near excellent credit but Ill get back to that in just a second. Finally, my total cost of the car is at 19,500 or so closer to the 20,000 mark At this point you may be asking yourself, Dude , why would you go through with this? Well, I jumped the gun I suppose. I was excited. I worked hard for this and the car is sooo nice. When all these papers and numbers were thrown at me, I was overwhelmed and maybe trusted the finance guy a bit too much. He asked me how much am I willing to pay a month and I told him in the 200-300 range and I now know he went on the lower end to maximize interest rates. So just to explain fully what went on...9,797.00 - cars tagged price12,500.00 - after fees and taxes 4,500 - down payment I placed215 - what my monthly payment is going to look like 9.08 - APR Total sale cost after 72 months being 19,500After I put my down payment, I was given an invoice that said I owed 7,500 left on payments. Now with all that said, I dont know how to proceed with payments. Im not aware if I have a fee for paying off early. I had mentioned it to the guy who financed it and he never said anything about a fee only that I should wait a year or two so I can establish credit. I REALLY like the car but it is NOT worth 20k. So I come here to seek advice on what I should do. Should I just pay off the rest in one straight shot?Return the car, suck up the 7 restocking fee and get another one? Im absolutely stumped. Assistant: Read your paperwork and see if theres a prepayment fee, if not aggressively pay it down so youre at the break-even point then refinance it.Human: In the contract it says my total is 19,500 and that includes my 4,500 deposit but isnt that ASSUMING it take me 72 months to pay off the car? Could I just pay off the car in one straight shot and be done with it and not have to worry about interest?  <response>: You should have a honesty in credit reporting printout which I think is required by law in the United States it might just be NJ, not sure. It should show you literally every cost. On my sheet I see my total dealer cost as 12,500 and I see a separate finance charge cost that shows what my total interest payment would be if I took all 60 months on my loan, which is 900. 