Can anyone help?

I bought a 2015 limited rav 4 17,200 miles leather etc at the dealer and I had poor credit and got really ripped off. I’m paying 21 percent apr and he sold it fir top dollar. I can’t afford it and want to know how to trade it without getting ripped off again. It’s costing 610/ month and The dealer said my credit... show more I bought a 2015 limited rav 4 17,200 miles leather etc at the dealer and I had poor credit and got really ripped off. I’m paying 21 percent apr and he sold it fir top dollar. I can’t afford it and want to know how to trade it without getting ripped off again. It’s costing 610/ month and The dealer said my credit score should go up 100 points in six months then I can refinance. Well... it hasn’t gone up 100 points. But I have made the payments on time since April when I got it . Please advise . Thankyou!
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