<prompt> Human: hail damage destroyed my old fully paid off vehicle. I had liability on it, but there was so much damage it wasnt worth fixing. I had no options for rides because of my work schedule and needed a vehicle fast. I didnt know anything so I ended up buying a used vehicle. The total loan is about 13.5k and the payments are around 320 a month for 72 months. I have recently gotten a higher paying job and wish to either pay it off fast and decrease the interest. What should I do?Assistant: If your credit is good you can go to your bank or credit union and refinance it at a much lower interest rate and shorter term.If its not, pour every extra dime you can scrape together into paying it off as quickly as possible. Make sure extra payments go to principle.A six year car loan at about 20 interest is a financial emergency. Work overtime just to pay extra.Human: The interest alone is nearly 9k its stupid. I didnt even know it was that high, because he told me it wasnt that high. We had discussed a 5 year loan with a payment at around 400 and then I got my first bill and everything was different. I was so pissed off. Its a great lesson. Dont trust anyone selling to you xD  <response>: The real lesson is to read everything you sign. 