<prompt> Human: I bought a new-to-me 2010 Ford Taurus a week ago. At the time I thought Id gotten a good deal, but hindsight is of course telling me something different I got taken on my trade-in, the dealer cut the sticker price on the new car and then added the money back in elsewhere, the car has some minor flaws that werent at first obvious.Im not upset or anything, its a negotiation and they did their job and got the better of me. I can certainly live with the loan papers I signed, but if I had a chance to walk away and do some more shopping or even stay with my traded-in car Id prefer to take it.So I get a call from the dealership today; the bank is only willing to do a 54-month loan, not a 60-month one. It will only add 20 to my payment and I will save thousands somehow over the course of the loan. They just need me to come in and sign new papers.Now, I am definitely not willing to budge on the 20 addition to the car payment. My question is what sort of leverage do they have to compel me to take the new loan, or even the same loan in a modified version or whatever? It seems to me that I now have the ability to walk away from this deal hopefully keeping the trade in? simply by declining to sing the new loan. On the other hand Im guessing that car dealerships have seen this situation many times before and have ways of coming out on top.Advice?  <response>: Hmm, youve already been screwed. It seems to me that perhaps theyre trying to screw you yet again. A quick google search brought up this articleI like the suggestion they offer to request to see the letter from the finance company that denied your original application. I also like the suggestion that others have posted to ask for the new loan papers in advance so you can compare the terms of the new loan outside of their offices. 