I need a small personal loan for a car for my son (need around $3500). I have been approved by a finance company but the payments for $2900 are $225 for 24 months! The interest rate must be outrageous! I haven't taken the loan yet. I want to see if there is any other place I can go to get a better deal. I live in SC. My credit scores are TU 631, Equifax 643, Experian 649. Does anyone know where I can get a better deal with my credit score?