<prompt> Human: So my credit is pretty bad, the dealership I got the car from pulled 658 TransUnion, 567 Experian. My history is pretty new 8 months of credit card payments, all on time, a couple of collections accounts.I financed a 2012 with 145k miles for 8500 with a 22 interest rate. Its a 36 month loan, so the interest was going to be higher than a 6 year in the first place. It also has a warranty that covers any major electrical, engine, and transmission issues. I can make the payments and then some. There is no prepayment penalty and I can allocate any extra payments towards the principle. I can also refinance as I build more history and my credit score goes up.I needed a car and I wanted something at least semi-reliable, but did not want to sign up for a car in the 20-30k range.Overall, is this loan terrible or is it somewhat decent? Edit: Forgot to mention that I put 1000 down, the 8500 is before the down payment.  <response>: 22 is basically credit card debt. Youre paying unsecured loan rates for a secured loan, and they arent even particularly good unsecured loan rates. Even with awful credit, I just cant see paying more than 10 for a secured loan. Anything above that doesnt make sense to me.Shop around for loans. You dont need to get the loan from the dealer. Check out local banks and credit unions. See who gives you the best rate. If you know your TransUnion credit report has less negative data on it and a higher score, see if you can request they specifically pull your TransUnion report. Some banks will honor requests like that, some wont. Worth a shot. 