<prompt> Human: Hey Reddit! I am a first time car buyer so please be easy on me if the answer is totally obvious. I am 20 years old and make roughly 4.5k per month, have one line of credit open, and a credit score of 765. I went through a family friend who is a car salesman well call him Josh to buy a used 2015 Nissan Altima. The listed price was 14,494. In order to get the best interest rate, Josh sent my application to several banks. I told him I wanted to put 2,000 down and have my monthly payments not exceed 250. The credit union that ended up approving me for a loan approved me for a 3.99 interest rate, however Josh altered a couple things on the application. He put my down payment down as 3,000, and the price of the car as 15,972 which also included an extended warranty on the car. The day I bought the car, I still only put 2,000 down,. The credit union that accepted my application approved me for the 3.99 interest rate, making my monthly payments exactly 249. My confusion is how the altered amount for the down paymentcar price on the application might affect me. My loan balance is 15,972.93 with my first payment due in July. Did something happen under my nose that added another 1,500 onto the price of the car or am I just overthinking it? Thanks in advance for any help!  <response>: Your friend got himself a decent commission off of the warranty he sold you. That wasnt for the loan or rate or anything, that was for himself. 