JD Byrider Grossly inflated loan - 3x the worth of the vehicle Springdale Arkansas

There are so many red flags with your post. First, why in the world would you go to JD Byrider?  That was your first mistake. Secondly, when an auto dealer only offers you one vehicle to buy, it is time to turn around and walk out because they are getting ready to rip you off. You are the consumer, you get to choose your own vehicle to purchase. Naturally, it depends on your budget, your income, your debt and your credit.

JD Byrider caters to buyers that have bad credit so they charge more for the vehicle + a higher interest rate because the clientele are risky borrowers. It is up to the consumer (you) to walk out before signing when presented with a bad deal. You signed the contract so you are stuck with its terms. You can mitigate the amount due by following the solution below.  

Solution:  if you have a warranty on the vehicle, cancel it and have the credit applied to your loan so the balance is reduced. This credit should be substantial.  If you have good credit or even average credit, then refinance your vehicle. This will reduce your monthly payment and the total interest due and get you away from JD Byrider.  If you are still upside down and can't refinance, do what you have to do to get a lump sum together so you can pay down the loan to refinance it.  

Next time, don't go to a subprime dealership. They rip off everyone, it is their business model. Research how to properly buy a vehicle before you run out and buy one. For goodness sakes, don't let this one get repossessed or you will be stuck with sub-prime dealerships for a long, long time.