Santander Consumer USA Willett Honda South Car Dealer I purchased a Chrysler 200 S 2015 used card charged 3 times more than what the car is worth high interest rate, makes it hard to get out of this loan. Morror Georgia

Let me just say right off the bat, if by chance you were "Ripped Off" you let them do it.  Although based on your post this is nothing more than buyer's remorse from an uneducated buyer.

First of all if no one told you the APR...why did you even start to sign?  But then why when it was right in black and white on the contract did you continue if you didn't like it?

Next, it doesn't matter what order you are on the loan...each person on the loan is EQUALLY responsible for the loan.  So even if your son was listed first and failed to make the payments he would trash both his and your credit. 

The salesman is right...the CAR costs 18K...but because of the high interest rate by the time the loan is complete you will have paid a grand total of 32K.

As for refinacing...it isn't because this company rips people off..it is because this company deals with "Sub-Prime" borrowers who can not get financing by regular means because they have failed to show that they can handle credit.    In addition your son probably put very little(if anything down) and is already "upside down"  on the loan, meaning he owes more than it is worth. 

So the best thing you can do now is make sure he makes ALL of his payments ON-TIME so they don't start coming after you.

The interest rate and price of the vehicle is noted on the financial agreement that you signed. Your dissatisfaction with the agreement is a clear case of buyer’s remorse. You were not ripped off.