<prompt> Human: Mobile, sorry for formattingWent to car lot today hoping to find car with reasonable payments. I have a credit score of 750 with only one credit line and history of 6 months. I have an income of 1500 a month with bills equaling 200 in total.I signed part of the paperwork and received an estimate for payments For a loan of 9400 they told me Id need to pay 296 for 69 months to pay it off. I did the math and Id be paying roughly 20,500 for a 9400 loan.I used And I believe the interest rate is 31. I called sales person back and they said itll be pretty high since Im a first time buyer and I can refinance down the road. I called the dealership and tried to speak to the sales manager, he sounded pretty surprised at the interest rate. He investigated and I was told they hadnt been able to look at all the bank offers since the banks were closed at the time and that I wouldnt pay that. He also mentioned that Missouri laws wouldnt allow such a high rate. Im meeting with them Monday to figure out whats going on, Ive put 750 down and have another 1250 for Monday.Is this a normal rate for a first time buyer or was the salesperson trying to pull one over on me?What is a reasonable rate for a first time buyer?Thank you  <response>: I called sales person back and they said itll be pretty high since Im a first time buyerYeah, no. An interest rate should not be directly influenced by whether or not youve had a car loan before. And if someone told me that I would probably walk out as that level of bullshit does not deserve them making a commission. and I can refinance down the road.This is true. Is this a normal rate for a first time buyer or was the salesperson trying to pull one over on me? What is a reasonable rate for a first time buyer?If your FICO score is 750, you will probably be paying single digit rates, even with a thin file. 