Well since I got the extednded warrantee, it lowered my apr. And calculated out after interest, lower apr with ext warr vs. higher interest w/o ext warr the difference was 1200 i think. So I just look at it that way.
I dont remeber how much the ext warrantee was, but the finance guy lowered it after seeing i was gonna say no.
Oh and congrats to pistolp1!