u/dtru31

I think I got fucked

So I got a truck at 40k final price OTD allegedly, I put 5k down, so I’m at 35k financed, I added some warranty that idk how much it was because they didn’t disclose how much it’d cost me total, i got a 6.2 APR, and my monthly total is 709 a month for the truck + warranty. Does this make any sense or did I get fucked, they never gave me a final contract before I left the dealership, they never showed me a final breakdown of everything, they almost got me to sign before I asked what the APR was and was surprised that I asked before signing which was weird. Toyota dealership in cedar park tx btw. I was too impulsive and was just ready to leave when it came to talking with finance to where I didn’t ask for the final breakdown + contract before I signed anything stupidly enough. Any help would be appreciated. (I messaged salesperson and they said they’d email it but they didn’t and said they’d do it Monday since they’re closed tomorrow)

Edit: I asked ChatGPT and did calculators online and my monthly total before warranty should’ve been 583-600 a month.

Another edit: financed for 72 months.

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u/dtru31 — 4 days ago