Complaint Review: DriveTime Corporation

I am currently into just over a year of payments on a loan through Drivetime for a 2001 Dodge Caravan SE. First of all when I priced the suggested retail value of the car on Kelly Bluebook it was around $5200 for the van. The retail price that DriveTime was selling the van for was $13, 623 which is way overpriced especially for a 2001 model. But I really needed a van. Then the interest rate I got was 21.5% (I have terrible credit) which tacted on another $6731 to the already overpriced car. So in all my loan amount was $20354 for a 2001 Dodge Caravan. I have made a total of 15 payments so far which pretty much I've only paid down the interest I have just tapped into paying on the van itself and my monthly payment is $433 a month which I have been paying faithfully I've never been late for missed a payment. My question is can I get my interest rate lower since I have been making my payments on time? Also how is it legal for a car dealership to charge so much money for a car? And is there any way I can get of this bad loan?

Anonymous
Jonesboro, Georgia
U.S.A.