<prompt> Human: Im reluctant to go to the bank, because Im not really established yet credit wise, but really need a car.So what can I do? I dont really like buying privately , I guess I just dont trust people, but the dealer is really trying to take me for a ride I think.EDIT: Thanks for the advice everyone. Ive been offered 300 for my 2001 Ford Taurus by CarMax and this dealership. Will I find anything better, or should I sell as is?  <response>: 22.9 is literally the highest Ive ever seen on a car. It sounds like one of those buy here pay here guaranteed financing places. Go to a different dealer, bank, or credit union. Pronto. 