[LYCAN]

Don't confuse the price of the car with the financing terms....two different things. You can continue to shop around for financing independant of the vehicle price. Try credit unions. They typically offer better terms. If you put down a $500 deposit most places will hold it for you while you talk to financial institutions. However...to be 100% honest with you that rate isn't all that bad with a credit score down in the 600s. I knew of some old buddies getting close to 15% with a bankruptcy. Sometimes even on new vehicles people with good scores will get 7% to 8% depending upon the deal. Seriously, I wouldn't sweat this APR. Get the vehicle, stay regular on the payments, build back up your score, and enjoy it for Spring. If you can't afford it you can always sell it.