what is the maximum fee a bank can charge on a bad credit car loan?

My fiance just bought a 03 vibe. His credit is bad after his divorce a couple years ago. We just found out that the bank charged us $4500 extra on a 13,000 loan (we put $2000 down) for his bad credit! We weren’t told this by the dealer when we bought the car. Have you heard of a bank charging an outrageous fee like this, and are they even allowed? I live in Pennsylvania.

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