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Auto loan with 48% seductiveness rate?

I am 23, have the 730 credit score, have ,000 the year, have no debt or loans to payback, though have the credit story of 4 months. we am seeking during 00 loan upon tip of 00 down remuneration for the car. The play contacted fifteen banks as good as usually bank which would accept my allude to is:

2/month
42 months

Using this seductiveness calculator:

http://www.northeastmotorco.com/loancalculator.aspx

My seductiveness rate would be 48%. Is this right? we can not hold this.
He told me it was since my credit story was as good short. we additionally attempted removing the loan by Bank of America as good as was denied. we have the checking, saving, as good as 2 credit cards with B of A as well.

Are there any alternative options we recommend, or do i only need to compensate all of it in money to not get the tall seductiveness rate similar to this one?

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