Optional products can be added to the amount financed, which means you may pay interest on them too. The monthly change can look small while the product's cash price and financed cost stay out of focus.
What is happening underneath
The add-on is presented after the major decision feels finished. That timing makes a small monthly increase easier to accept than a four-figure product price.
Find thisItemized cash price for every add-on
Then thisWhether each product is optional
Do not missCancellation and refund terms
Your three moves
- Circle every line that is not tax, title, or the vehicle.
- Ask for the cash price and financed cost.
- Remove products you did not choose before signing.
Use this sentence
“Please itemize every optional product, its cash price, and what my total payments become if it stays in the loan.”
What to watch for
Do not rely on a verbal promise that an add-on is required. Ask where that requirement appears in writing.
Official starting points
Rules, programs, and deadlines can change. Start with the current official pages below and the documents in front of you.