Is 10.5 APR bad for a car loan I'm trying to buy a 2013 Ford Taurus?

Hello bad about life

Yes, it's bad

Yes that bad when the bank on my corner is advertising 2.93%

That's terrible. The most you should pay for 5 years is 5% or less. Since it's used see if you can get it interest free.

I could have gotten a 2016 Toyota RAV4 with 0% interest.

Yep. It's hello bad!

It's pretty bad. Used cars usually have higher interest rates than new cars though. What's your credit like? If you have bad credit, then it's possible that not many lenders will be willing to loan you money and the ones that do will only do so at a higher interest rate.