Based in the year of the vehicle id say its a small car lot that does on-site financing which typically also jacks the interest up to the maximum limit. you may try actually financing it through a bank and possibly a co-sign to help get the interest rate down on it.

and by going through a bank and financing it, it will help you build credit very quickly compared to credit cards or small revolving payment accounts. id always heard after 6 months auto loans really help with your score.