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If you signed your contract, more than likely the finance company is not going to change the APR rate. But, on the other hand if the finance company is a direct lender.. then you can try to refinance with the current lender or another lender to get a lower APR rate - depending on your credit rating at the time.

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Q: Can the finance company charge 39.91 APR on your car loan in Greenville SC what the set rate max that can charge?
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