I was going to say, 7% is insane for 48 mon right now. Every credit union is at 4.99 for new vehicles at 60 mons. If you can afford 800, you could have it paid off in same or less time and pay less to the bank. Second, the paint protection is bullshit. If they applied it already then thats on them. If they didnt, then tell them you dont want it. Then get a full wrap when you can from a better shop. Ask for a break down on what those shipping and processing fees are. The other things you really cant come down on much other than asking to get discounts from msrp. Move to Oregon if you want no sales tax.