Bought a car with a shitty loan while high on marijuana edibles that the sales person gave me.

Hello,

spacebar is broken sorry

I live in Chicago and am 20 years old. My car was a death trap and i had recently fallen into some money. I bought a 2013 Honda Civic Hybrid that's priced at around $9500. A reliable car that I plan to have throughout my 20's.

The deal was taking forever and I had fair credit. One bank agreed to the loan. They said a $4k down payment and they'll accept my loan. I say I can do that- alls is well. The deal is taking forever and the sales guy starts passing my buddy and I weed edible gummies. I got really high. I thought he was being kind at the time because it was taking forever but I'm not so sure anymore.

Anyway- its time to sign papers and i was trying to the out of door cost and he wasn't really showing me any numbers that made any sense to me despite my asking for out of door cost. At some point I was told the loan principle would be around $9k which was cool to me even . I was really high and been there for 7 hours and decided to sign. Having a reliable vehicle was important to me so with the marijuana I made an emotional decision that was based off the random number of $9k loan principle.

Had to buy a stupid expensive insurance plan cause allstate and geico weren't picking up. (Cancelled it immediately and have found cheaper insurance that I pay in full).

I see my credit report and the principle for the loan was around $12,000. I find some peace of paper tucked in my car manual with the price of my car/loan/interest rate (8.9%) and it had an almost $4k "financing fee".

So car payment is $132 every 2 weeks.

So

$12,000 principle loan

+ $4000 Down

+~$3,000 in interest.

________

$19,000

For a $9500 car.

If I waited a month I could have bought it cash with taxes and everything so I'm feeling like an idiot right about now. I'm looking into refinancing with capital one. My credit score was in the upper 600's at the time.

Not sure if I got swindled or not. I know purchasing a car is expensive. But do these numbers seem right? Like with taxes, title fee, liscense plate fee etc?

Can I take legal action against the legitimacy of the loan as the the salesman gave a minor (me) THC edibles when asking me to sign a loan for a major transaction? Is it worth it?