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I'm stupid.


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Well I could have told you that, you must be a young kid with no credit if they gave you a 21 percent interest rate. This must have been your first car. I got jipped on my first car and it is 3.9 percent. Trade the car in instantly, still save more on the cut and get a lower interest rate.

First car and I have new credit. I run my credit and I see 700, they run it and they see 625, I hate how that bs happens.

I'm going to refinance it in a few months and get the interest down a lot. No way in hell I'm going to be paying that interest for the full term. Some idiots actually do that which amazes me.

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