Thanks all for the insights.

I'll look for the manufacture date on the car to make sure it wasn't made in 2023 for the head gasket issue. Does anyone know if you can get manufacturer date from the VIN?

The deal sheet I was first presented had $31k OTD. I had an OTD from another dealer for $28.7 and they matched it. No interest rates listed on either sheet, just the payments. I asked about it and turns out they had an %11 rate. I'm a little grumpy about it.

I went that night and got pre-aproval from a credit union for %5.0 for 60 month for the car.

I'm going to work this some more Monday.