<prompt> Human: so i financed a car first time the car was selling for 3,988. i took in a trade in valued at 600, and put down 400 cash down. it was a two year loan, at a whopping 28 interest rate, my monthly payments are 206 dollars a month. i went back and did the math, and figured out with a 1000 down my monthly payments should be 164 a month. is there some legal help i can get with this?  <response>: i think i got ripped off on my auto loan.At a 28 interest rate, yes youre getting ripped off.Just pay the car off as soon as you can to minimize the interest you pay out on it. 