<human>: Can you provide a brief overview of the text?

I bought my first (new) car a little over a year ago. Being my first car, I got a pretty bad APR at 8.99%. I am in the process of looking to refinance my car. I got an offer through National Auto Loan Network for 2.49%

 

My current loan I have $14,253.12 owed. My payments are $320.06 and I've got 54 of them to go. Again it is at 8.99% APR.

 

The offer I've got from National Auto Loan Network looks like its got a lot of fees. I would put down another $7,000 on my loan so I thought I would be financed for the difference of my current loan. I currently owe $14,253.12 so I figured put down $7k I'd be financed for $7,253 however the paperwork NALN emailed me shows me being financed for $8761 with total payments of $9251.52. I've got a finance charge of $490 and a GAP fee of $800. Should I ditch the GAP fee? Are they giving me the run around? Any insight is greatly appreciated.
<bot>: Current Loan: I owe $14,253.12 with payments of 320.06 for 54 more months at 8.99% APR