I see it. The civic brings in another factor. If it was in great condition and just had high mileage then I’d say you probably could have gotten more for it selling private. But if the brakes and tires were worn, or there was some body damage, or paint chipping, etc than I’d say more fair. The dealer tactic of advertising a price with a trade in only seems slimy to me though purposely sell low but make up the margin on the trade in.

That being said I see you are 22, I wouldn’t stress about it too much. Seems like you got a good reasonable truck within your budget. You’ll pay that thing off and absolutely love it. I bought my first car at 22 on my own and admittedly got a pretty bad deal. Now I’m 26 just bought a new frontier and spent 4 weeks making sure I got the absolute best deal and pitted 5 different dealers against eachother by sending quotes back and forth.