suppose someone has a finance agreement for a new car.

the APR happens to be 17.1% they sign up for this do the deal have the car etc...

now it is based on x many payments over 36 months plus a large final sum. payment of 40% the value of the car.

there is nothing written in the contract regarding cancelling and keeping the car.. only ending by paying the full amount or giving the car back whenever and paying half the amount?

finding the money for the final payment is going to be a problem...
so i was suggesting getting load at a lower APR to pay the whole lot off now.

but I can't seem to find anything that makes this possible except for reference to the credit act and appropriate charges??

any know the score?