financed a dog. I didn’t know what apr meant at the time either, my apr rate is 69%. I’m making car payments on a little dog. I live in an apartment, so on top of the $236 a month I pay for the dog I have to pay rent too. Can I do anything about it?

Never heard of being able to finance a dog sounds like a prank.

Options 1. Pay the full amount as a 'Pay off'; 2. Continue to make your monthly payments; 3. Check your state regulations to see if 69% APR is legal. If not, proceed with getting the debt reduced or cancelled through the regulators in your state. 236/month for an items means it was an approximate few thousand dollar purchase, right? Was this a wise decision to start is the next question to ask yourself. If not, use it as an example for all future purchases. When this is all said and done, you will be well versed in what APR means. Hard lesson, nonetheless, still a valid debt you are responsible for handling.