She never told anyone, and claimed the car was paid off. She is 82 and has mid-level autism. The lender is located in Roseville, Ca and she is in Rocklin. This last time her car was repaired and she couldnt pay the bill so she refinanced it. We asked for the papers bc we were planning on paying the $300 for the repair off (thinking that was all that financed), but the loan is really 7k. When we looked at it a little more, she she has refinanced 3 times and is paying 35% interest- is that interest rate legal?