Unless you have something in writing about the rate you agreed to pay, you may be stuck. I suggest looking into financing with a bank to see if they'll give you a better rate.
You don't say whether you signed the paperwork at the 2nd location. If you did not sign any paperwork, don't do it until you visit with a lawyer. If you did sign the paperwork at the second location agreeing to pay the 13.99%, there's probably not much that can be done about that now.
Legal disclaimer: John Bonica is licensed to practice law only in Texas. His response is not legal advice and does not create an attorney/client relationship. The response is only intended to provide general information. The question may not include significant and important facts that would change the response. You should confer with a local attorney for competent legal advice.
See the attorneys answers above... You may be stuck. Always look at the language of the contract before signing anything,
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