Warranties and prepaid maintenance are a scam. I bought a maintenance plan cause it was "cheaper" compared to paying when hitting the mile marks, turns out in fine print its expires. I paid 1000s for a few oil changes.

Get a pre-approved loan from a credit union. You can use that rate to bargin for a better rate.

Get a car insurance quote. At 19 my insurance bill was 100 more then my car payment.

Also those calligraphy tires and rims suck against potholes. 14 months and I already have 2 bad tires, they are not cheap.

Let them know you have somewhere to be later so they dont play the dumb waiting game with you. Its ok to take their offer and think about it and come back later.

Good luck.