回复：怎么办？

Unconscionability is not a defense either.

According to UCC 2-102, the court can strike down a contract if it finds unconscionability in the contract formation process, that is, you are induced to sign the contract so that the dealer can take advantage of you.

I just thought about it for a while and then decided this was not a good defense. First, there is no proof you were unable to understand the contract terms and the dealer was trying to take advantage. Second, that interest rate was not a shock of consciousness. For example, unless the court finds that other dealers charge 5% and your dealer charged 13% with a really depraved heart, then the court may take action. Under the circumstances it would quite be the opposite.