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What is your credit rating? You can pull this yourself. Also, were you ever late with payments? There are many reasons why the dealer may be coming back with a high APR, I know dealers get a bad reputation, and some do try to take advantage, but at the end of the day they don't want to lose your business either. So something seems off if you have already established credit with another car.
You need to know what your credit rating is (if you don't already) and know if there is something that is impacting your ability to get a loan. And as others have said, you should apply for a loan through Penfed, or a local credit union who may give you a better rate.
You should also plan on putting down a sizeable down payment. If you cannot put 10-20% down on this car right now, you need to save up.
Also, are you self employed as a photographer? That alone will impact your loan since you are only 19.
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