<prompt> Human: My gf and I went to petland to get a puppy. We didnt have any money to put down but we were willing to finance if necessary. We found a dog we thought was perfect but it had a fat 2 grand price tag. We decided we could afford to pay it off if the monthly fee and interest was low. Of course the sales man at petland was talking like a car salesman attempting to get us in and out as soon as possible. He found a financing company that would loan us 3000 and he told us it would be 174 a month. Okay that is doable. I went to computer and my dumb ass e-signed a document taking his word for it. So fast forward to today, we have our puppy and we love her to death but I was charged two payments in one month that was automatically taken out when I got paid since I get paid biweekly. I call the finance company and they informed me I agreed to biweekly payments...well that sucks but at least we will have her paid off sooner. I had the rep email me the contract and once I recieved it I found that there was 144 annual interest...6 fucking grand on top of the 3 grand agreement... 9 grand for this pup!! So now we are basically screwed for the next 2 years unless I can do something about it sooner. Do any of you have any experience negotiating with finance companies? Can I reduce the interest by paying more in advances via taxes or student loans or even extra off the paycheck. I know this is my fault but live and learn I suppose...thanksTl;drGot ripped at petland and unknowingly signed for a 3 grand loan with 144 annual interest and I need a way to get out or reduce the ridiculous interest.  <response>: As horrid as this whole situation is, what are you even doing in the first place purchasing a dog that you cant afford? What is your plan to eventually be able to afford it? 