lobel financial charged my wife and I 3773.18 to finance us and we was financed for 9299.50 on a 12, 361 with a 3k down .went to another dealership and they said that's no way we should have gotten charged that much and they only reported that we payed Anaheim California

You are talking about two different things:  1) the actual value of the vehicle and 2) the amount you borrowed.

The amount remaining on the loan is totally separate from the value of the vehicle. You borrowed $12,361 to purchase the vehicle according to your post. The way to double check that figure is to look at the loan agreement you signed to see the amount borrowed and the terms of repayment.

Beware: in a normal loan agreement the amount you borrow is stated in easy to read terms and the interest is stated as a percentage. Somewhere in the document there will be a disclosure of the total amount due from you to pay off the loan in full, including interest, if you pay on time each and every time. If you pay late, there are additional fees. From your description in your post I suspect you paid $12,361 for the vehicle (plus your down payment) and the interest is on top of that figure but you have the document and that would be the best place for you to check your actual amount borrowed.

Now check the vehicle value based on its current age, condition and milage.

From your post, it is likely that you owe more than the vehicle is worth.

In order to get a new vehicle you would need to bring enough cash to the new purchase to cover the amount of negative equity you have in this vehicle so you don't transfer negative equity to the new vehicle. To save money get your financing from a credit union or bank rather than one of these small lot financing companies with subprime lenders.