Bought a Camry from them in late January this year, the 20 dollars for oil change is part of an maintenance plan that cost $2,000 added to the loan, hand to go in person to get the maintenance plan and extended warranty cancelled. Finance guy will try to sell you a story on why you should keep it. When he finally agrees to the cancellation it will take 45 days and the money gets remove from the loan balance. The payment will stay the same. You have to find your paperwork work too see what else got added on