arion motors jonathon shamis defraud young adults straight up fraud plantation Florida

Read the contract right away to see if there is a clause that allows you to return the car and unwind the deal. Probably not, but it is worth reading the contract to find out.

Then the next thing to check is for a pre-payment penalty. If you pay off the vehicle now by refinancing it through a local credit union, is there a penalty for early pay off? Again, probably not, but check the contract so you know for sure.

Next, refinance the vehicle through your credit union or local bank. No reason to pay 28%.

Two things are very clear from your post  1) you didn't read the purchase agreement before you signed it and 2) English is a second language for one or both of you. 

It is critical to read any contract before you sign it. If you don't have the ability to read and understand the contract, then take it to an attorney that represents you to read and explain the contract to you. Since English is not your primary language (based on the email you provided in your post), then make sure that the attorney's office translates the contract into your native language so you understand what you are signing.

If the car dealer won't wait for you to have an attorney review the contract - then don't sign it. Get up and walk away and find a dealer that will wait until you get the contract translated into your native language.

In the meantime, see if you can unwind the deal and if you can't, then refinance it.