If you got a 2 on the AP, you didn’t get credit for Calc. If you “didn’t do amazing” on your math placement exam, you may not be allowed to take Calc.
I think this is a discussion you need to have with someone at your school.
Also, for what it’s worth, the level of difficulty of Finite Math REALLY depends on how your school defines it and which topics they choose to include. The fact that it’s the course you were placed into with less than sterling test scores makes me think that it will be easier than you thing.