Well Fargo Finance Very high monthly payments for a 2008 ford focus Phoenix Arizona

You said yourself that your paying because of your low credit rating. Buy USED, pay CASH and you won't "feel" ripped off . You are paying a lot because you're a HIGH CREDIT RISK . Next time stick to buying used.

Is your loan for a shorter term than what was advertised?
This would affect the monthly payment.

I'll echo Edge here: Did the ad mention approved credit?
A low credit score would result in a higher interest rate and would affect the monthly payment.

I bet the ad included something to the effect of "$3500 due at signing" - did you make a down payment or have a trade-in?
Either one would reduce the price and this would affect the monthly payment.

Did you pay the full sticker price?
Did you buy a service contract (extended warranty)?
Did you pay for rustproofing?
Did you pay for a credit check?
Did you pay a "document fee"?
These are all things that would affect the price - and therefore the monthly payment - and are also things to avoid.

Judging by your post, you're a car salesman's dream - an uneducated customer.
I can sympathize; my first new car purchase turned out much like yours.
Consider this a learning experience. Judging by your post, you're young and have many car-buying years ahead of you.
Next time, do your homework, and know all you can before hitting the dealerships.
Use resources such as the free and paid services offered by the web sites of Consumers Union, Edmunds, and Kelly Blue Book.

http://www.consumerreports.org
http://www.edmunds.com
http://www.kbb.com

If at any time leasing is right for you, here's an additional resource. This is the company that sets the residual value for virtually every vehicle sold in the U.S.

https://www.alg.com

Meanwhile, deal with it and keep your car in good shape. Get your money's worth out of it!

What were the conditions of the $169/month offer? Was there anything along the lines of "OAC" (on approved credit)?

Generally speaking, people with a poor credit rating can expect to pay more in interest. That's how lenders minimize their risks. You were free to decline the loan if you felt that the payments were too high.