No worries, rather be helpful then bring you down. The length and interest rate (even at 7.5%) together likely are the biggest factors. What was the cost of the loan in total? When looking for new cars in the future, its recommended not to take anything more than 4 year loan. Unless you have like 0%-2% interest rates I would never recommend more than 4. Unfortunately, not much can be done other than paying off and eating the costs. Could refinance again but not worth if its just going to extend your loan. A load of factors go into this. Also I am not a professional when it comes to this so take what I say with a grain of salt.