<prompt> Human: So this was my first car purchase from a dealership. I found something for 13,100. I had a down payment of 4000, I also had a cosigner with excellent credit 800 I agreed to the 13,100 with the sales rep, he then has to take it to the finance guy to get everything figured out. I wait nearly two hours to finally be rushed into a room with a man that says great I managed to get you a 5 interest rate and a bumper to bumper warranty! So Im thinking awesome this is great, by now its closing time and he throws a stack of paperwork at me and makes me sign tons of papers probably 10 and explains nothing. So in my mind Im thinking the car was listed at 13,100 plus tax and fees probably 14,500 or something plus my down payment would knock it down to 10,500...well I get home and read the pile of paperwork, turns out I paid 3000 for that warranty plus 500 for GAP insurance plus 600 for wheel and tire protection, and I am now finacing 14,500! with a total cost of 18,500! I immediately called him back and asked him why the hell I paid all this extra no one told me about. He tells me well without it your interest rate would of been much higher I think he said 9 so he says he saved me money lowering my interest rate. He says this is due to banks being more willing to loan knowing their investment is protected. So I do some calculating and it just is not adding up. If I didnt buy all these warranties I should of only financed 10,500 maybe 11,000 at most and even with a 20 interest rate I would still pay way less than what I am paying now. So any advice on how to approach this he tells me he can switch it but it would make my payments go from 239mo to 280mo. Which doesnt make sense on a 10,500 loan with 9 interest for 6 years why I would pay 280 a month. Please any advice I am stuck here and dont have a clue what to do! Thanks! Okay so it seems I will be able to cancel most if not all the warranties, So I call him back tomorrow and tell him to get rid of all this bullshit, he told me my payments would go up from 239 to 280 how is this possible?! or was he just blowing smoke up my ass trying to get me to not cancel all the warranties?  <response>: So you signed it before reading it? 