I just got a 1000 dollar loan with a 34.5% APR. I have really bad credit and this was the only place that helped me. Did I just get ripped off?

Yes you did. But pay it off and start improving your credit. Bad credit haunts you until you fix it.

Most likely the loan sharks at the pool hall charge less interest than this.

And borrowing money at such terms is part of the reason some have bad credit.

Damn... the payments are 113 a month and its supposed to be paid off in 11 months... I'm going to try to pay it off in 4 though

So how much will I actually end up paying with a 34.5% APR on a $1000 loan??

An 11 month loan sounds odd. But for that time, the payments should be $107.

If you are paying $113 for 11 months, how much total are you going to pay? If you don't know, maybe that's why your money is in trouble.

I don't know why its 11 months and the 1st 2 payments are 115 because of a charge fee. But after that they are 107 or 108. Id have to look at the papers. I didn't think it was that much.