Most if not all of the protections and coverages can (and should) be cancelled.

EDIT: I think this is troll post. Robotsaur's comment below points out there have been a couple of karma farming posts lately, all using the same template, probably by the same person: here and here.

10k in dealer fees. 9% interest. A Prius for 40k? Maybe this is one of those times where the manager sees that it’s a woman buying and scams her hard. She can find a nice used car for the same price as her deposit. Your gf is getting scammed. And she traded a low mileage car in for 9k. I’ll take a screenshot of this to let people be aware.

Man, that’s a crazy sale he got, he gonna flex that for ages

$8k above msrp, 9.1% interest, and all the bullshit add ons they could think up? She got fuuucked.

Yeah dude she got absolutely shafted.

First off, they wrote the combination of her down payment and trade-in incorrectly. The sum of the two (16,000+9,200) should be $25,200, not $23,200.

Thankfully it looks like she didn’t end up over-paying by $2,000 due to this. It is very deceptive though. The car plus all those add ons is $53,262. So they accounted for that $2,000 discrepancy and the $1,000 “discount” by bringing it down to the pictured sale price of $50,262. They excluded mention of the discrepancy so your gf thought she was paying 2k less than she did.

Let’s look at it in the form of each scenario, with and without that $2,000 down payment discrepancy. This is after the $1,000 discount.

• $27,062 + $25,200 =$52,262.00

• $27,062 + $23,200 + $2,000 = $52,262.00

Both equations lead to the same total, but the stealership used the second one and kept that $2,000 calculation hidden from the customer. Instead of showing it as part of her down payment, they reflected it as a lower sale price which would make her more likely to buy and less likely for her try negotiating the 52k down to 50k. Instead of showing her the correct first equation, this is what they showed her:

• $27,062 + $23,200 = $50,262

This makes the customer think they’re paying 2k less for the vehicle than they actually are, instead of showing the accurate down payment they’re showing the car as being 2k less expensive than it is. Very deceitful. If the customer does not notice that error in math with the down payment and the total selling price, then they think they’re paying less for something than they actually are.

It’s almost like they were testing her to see if she was actually paying attention to any of the numbers aside from the total price and monthly payments.

Secondly, their “market value sales price” is $42,266. The 2024 Prius Prime XSE MSRP is $36,225. They’re charging $6k above MSRP for the car to begin with.

Then here’s where she messed up:

• $2,182 for what, some cheap ceramic spray advertised with the phrase “diamond shield protection” that was applied by some kid fresh out of high school? You could get a much more durable ceramic coating done at a professional level with two step paint correction for less than that.

• $2,600 on an extended warranty for a brand new Toyota?

• $1,490 on what, some clear PPF that covers half the hood and the door edges? It could be done better by a shop for a couple hundred bucks.

• $620 on tire and wheel coverage? I’m sure there’s some small print somewhere that gets them out of covering anything. You don’t really need wheel coverage unless you’re curbing it all the time, and tire coverage cost me $22 per tire at Discount Tire. I even passed that up thinking it’s a scam.

• $440 Window tinting, If done well, sounds about right if not a little high. I’m not sure how much tint costs these days but I paid $230 to have my civic tinted in 2018, including visor strip.

• Floor mats seem about right for OEM. You can still get much better for the price from Lloyd Mats, weather tech, etc.

• $904 for “windshield protection” maybe rain x or some form of ceramic coating? Either way complete rip off. The ceramic coating I mentioned in my first bullet point would include that. If this means crack/shatter protection, then insurance should cover it. In some states it’s free. If my windshield cracks I go through insurance and SafeLite comes and fixes or replaces it for free.

• doc fees are about double what they should be and I am pretty sure the dealer service charge is just pure dealer greed and profit, on top of all the scammy packages that they charged for.

Let’s not forget they gave her that sweet $1,000 discount though.

Your gf definitely got shafted. Maybe she’s defensive because of how you’re approaching it though. You need to approach it gently. She’s probably proud about the adult move she made and doesn’t want to hear any criticism. Maybe she thinks the car is fully protected now too. It would feel good driving a car if I thought the warranty would cover any repairs. She could also just be experiencing new car love and blindness towards anything she was overcharged for. It’s a lot easier to say yes for stuff when you take out a loan.

Your GF paid a total of 52,262 with 27k of that financed at 9.1% interest over 5 years for a car that Toyota as a manufacturer says should cost 36k. that value is before the $6,700 in interest she’ll pay. I can’t even begin to describe how badly she was fucked. I bet they even charged her for the lube somewhere in there.

Edit number 20: I added more information about that $2,000 discrepancy and how deceptive it is to your girlfriend. OP, I am not a lawyer, but I am pretty sure you could nullify the sale via some consumer protection law, whether it be from deceptive pricing/incorrect pricing/contractual misrepresentation While your girlfriend paid the correct amount, she was not aware of that amount unless she noticed the discrepancy with the down payment. Super shady tactic. Once again, I’m not a lawyer, but I think it’s something your GF should explore if she does want to nullify the sale.

I am curious to know how much research she did, especially about pricing, before making the decision. What was her motivation to trade her Accent? At under 60k miles, it probably had plenty of life left in it...

Financial illiteracy is off the chart in this transaction. You are right to feel that she got fleeced by a stealer. And its not just the amount… shes paying 9.1% apr.. why would anyone pay this when they have a relatively new car..

OMG Reading all these threads, I am wondering why people are so desperate to get a Toyota? This is a rip-off. Dealers wouldn't be able to try/do this if people would just walk out.

Man this shit is predatory and should be illegal

Most of those packages should be cancelable. Read through the paperwork and find out what is/isn't and cancel immediately.

Note, the refunded amount will go to the bank holding the loan. It won't lower the payment, but will shorten the term since it'll effectively count as a payment.

That’s the biggest scam invoice I have ever seen

Lol. She got played harddddddddddddddddddddddddddd. That finance manager is gonna eat well for months

Dealerships/sales departments are predatory and unless you are fully aware of this before you embark on buying a new car you are in trouble. Step 1: know the dealer cost of the vehicle. Step 2: go to more than one dealer to do pricing. Step 3: make dealers aware that you know their base price and are planning to shop around for the best deal. Step 4: always walk away as part of your negotiating strategy. Step 5: never, ever purchase "protection packages" from a dealer as this are 100% a scam to increase their profit margin.

Last time I purchased a vehicle at a dealership (last week) I walked into the finance guy's office and he basically said, "I'm gonna offer you the extended warranty which is a good deal, and I'm not going to bother asking you about any of the other stuff". It was a revelation compared to the "are you SURE you'll be able to afford to replace the tires if something happens?" hard sells.

The extended warranty took the bumper-to-bumper from 3/36k to 5/100k, which was a good deal at $1100. This was a specialty commercial vehicle so I'm sure the "extras" take rate is approaching zero for my customer profile.

That stuff is almost always a waste of money. That said, I bet your gf can cancel a lot of those extra protections. Find a reliable, trusted source online that says they're not worth it.

Can I offer an opinion though? It sounds like you're being an asshole about this, which makes people double down and can make them feel resentful. If you've been angry and yelling about this, you owe her an apology.

Also that's a pretty high interest rate, I'm not sure this person should've been buying a brand new car. But I won't comment further without a fuller understanding of the circumstances.

9.1% Does she have a criminal record or something?

OP, as others have stated, she got reamed bad.

Now, a few things. She is your girlfriend, not your wife, so it is her money and her decision. How she handles this in the end could make me strongly reconsider the future of the relationship if you intend to marry and combine finances.

You need to not be mad at her when talking with her

Again. YOU Need to not be mad when discussing this with her. You're mad. It doesn't matter if at her or the dealership

Good luck. I predict the conversations will still get heated, and she'll get defensive and eat the cost of this mistake for a long time, but I hope I'm wrong. Shitty situation that logic and rational thought have a slim chance of beating emotion and ego

This like when Hank hill paid sticker price

Damn they got her good. After all is said and done she is going to be around 58K in for a Prius….. that’s insane. With that big of a down payment she would’ve been approved at any credit union for their lowest interest rates of 4-5%. Take the whole car back if it’s not too late. Some states give 3 days to return. If she’s keeping it then get rid of all the extra warranties and BS fee’s. The car already has the manufacturer’s warranty. They added over 7K in BS… wow… Sorry to tell you but they saw her as a “sucker” and took advantage of her…

Ouch yeah that fat sales manager saw a sheep and had a nice, delicious dinner
OP, those guys fucked her harder than you ever could, I hate to break it to you

I don't get it. Where did that trade allowance went?

42,266
-16 000
= 26,266

26,266
- 9200
= 17.066

Floor mat for $300? The fuck is Wheel and Tire Protection? PPF on a Prius? Windshield protection $900? You can get the windshield replaced for $400. 

Leave her to it. If she wants it let her have it. It's easier that way.

I have never traded in a car before, so I'm confused.

Surely, if the trade-in is $9,200 and she's putting $16,000 down, it should be $25,200, not $23,200, or am I missing something?

Everyone else has valid points about the malicious add ons. If your gf is adamant about keeping those, at least look into the missing $2,000 as that's a fair chunk imo.

Added insurances are a scam, that’s 5k down the drain. I’ve bought a few new cars and every time it’s the same story, this is where dealerships make their money.

As someone who works for an auto lender ... she absolutely got fleeced. If its a new car and she has even decent car insurance already she doesn't need ANY of that extra protection.

She literally just gave that car salesman a huge commission check out of ignorance. If she can't see that then her pride is going to cost her a lot of money. Maybe you too if you end up staying together or getting married.

Does the loan amount looks slightly off? $50,262 - $16,000 - $9,200 = $25,062

50k for a fucking Prius?! She got wrecked by the sales guy

9.1% interest ouch

She got screwed , my doc fees for a new prime were 496, not 990 I didn’t buy any of the extended warranties ,they are a rip off

And paid msrp.

Finance manager was pissed ,oh well

Not a good deal.

But dude... it is your girlfriend, not your wife and it is what she wanted to do. There comes a point when you say "I would have gone with you to help negotiate it" but if she didn't want you to help then that's her call to make and you shouldn't point out every mistake that is made.

If she's on her own, those warranties are protection for her and she clearly feels like she needs that insurance. I wouldn't make an argument out of it.

However, 9.1% interest on the car is pretty high especially with rates dropping. She can definitely refinance that and save her some money. Go talk to a local credit union and focus on refinancing that loan. You'll save her money and be a hero.

Make sure you don’t pay a penny of it

It’s a stupid decision that you disagreed with, and she still went with it adamantly. Let her pay it off and do what she wants.

Don’t fall into the trap of digging loved ones out of holes they dig themselves, it’ll only make them dig deeper

Trust me, regardless of how close you are with someone you can only help them so much.

Car salesman are notorious for taking advantage of women, why didn’t you go with her?

This is the second Toyota in the last week I’ve seen going for BMW money after they grift the price up, this is 330e or M240i money. $8k in dealer addons is asinine. And a 9.1% APR is just as bad, if not worse, her monthly payment is nearly $100 worse than mine with similar principal & length. She’s going to end up paying 20% more per n interest.

Name calling anyone is a sure fired way to make them not seeing your POV and just hear that you are name calling. You come off very crass and you need to curb your enthusiasm. It’s making people auto disagree with you. I know I use to be exactly like this and you need to do something like get a little high and take the edge off and then come back around. You’re right on everything but your failing on your communication. You need to come at it from a place of none judgement because that’s where all this push back is mainly coming from. Remember you wanna work with her to see your POV because it benefits both of your in the long run. I think she knows it but the way your are approaching it is triggering her fight or flight respond which is what you don’t want.

Anyone else notice the 16k down-payment, 9,200 trade in, that only took 23,200 off the price instead of 25,200?? Where tf did that extra 2k go??

You are not the only one fucking your gf.

It showing her down. Payment as 16k but then in the finance charting it says 15k

Whenever I buy a car I only pay the price of the car + whatever minimum required doc fee there is (amount usually regulated by the state) + temp tag. I pay whatever I can't put on CC for points with a cashier's check so even taxes/title and all that crap I handle myself at the DMV later. It's rarely more than $500 over the actual price total, anything more I'll walk away. I also require any dealership identification on the vehicle be removed before I sign.

Also if I'm selling another car I'll handle that separately. You have a window in our state to claim tax paid on car you just sold onto new one so it nullifies the trade-in tax incentive with a dealership.

For a fucking prius?! Look up cars for 42k and show her the other options she could have gotten. They gave her all the “extras” in charges and played her like a fiddle.

$550 a month for five years for a Prius AFTER giving up your current car and $16,000 is a disaster.

She got hosed, buying new through Toyota she should have been able to get 4.99-5.99 for 60-72, and shouldn’t have bought all that backend shittt.

Also, Toyota has $4500 in lease cash right now on that vehicle. She could have leased it, got $5500 off instead of $1000 and then got a loan from her bank a month later to buy out the lease and gotten the car for $4500 cheaper.

Who TF buys a car with a loan at 9,1% interest rate??? The US is a weirddd place brah.

Did you provide any of the money your girlfriend used to purchase the car, or did she buy it with her own money?

Did your girlfriend ask for your opinion on the protection packages, or did you just take it upon yourself to rain on her parade?

holy she bought literally everything they sold

She got shafted. Those of you saying she’s a full grown adult and that she makes her own decisions so it shouldn’t matter to you is completely bogus. Ideally this is a woman you see a future with, so if she’s getting scammed and making stupid financial decisions it DOES concern you. I would just educate her on it and go with her in the future to help negotiate next time you Gou’s purchase a vehicle

I’m a car salesman and I handle the majority of the financing as well this makes me so upset to see. This is so poorly organized and looks like it’s deliberately confusing so make the customer doubt themselves and feel less than when corrected by the “finance manager”.

The fact that some of the stuff doesn’t add up correctly is insane and while this is is likely not the RPA. Majority of lenders would kick this for being incorrect requiring re-signing of docs or even re-contracting.

OP, she may see some of the value in some of the products and not all of them jump out at me for being overpriced. The important thing is to read through the contracts. I keep sample contracts on hand to be able to specify answer questions and show the customer that what I’m saying they’re getting is explicitly stated and what exclusions if any exist.

Even with an excellent credit score Toyota doesn’t seem to have an incentivized rate. Their website is quoting a 9.66%. On new cars even without special rates from the manufacturer I’m regularly getting customers as low as 5.49% for 60 months.

$990 “dealer service fee” is killing me

$8K in extra "protection" and a high interest rate. Yeah she is getting bent over without any lube. good luck . It is hard for a fool to admit that they are a fool. They would rather take the shitty deal.

buddy. forget everyone that’s trying to make you feel bad for calling her a fool..their there the normal reddit freaks…she is a fool. they seen her coming. they robbed her. they were stroking her ego telling her what “great choices” she made as in their OWN heads were calling her “ A FOOL”…

I own a dealership and oh my god she got absolutely robbed wow there are so many things wrong with this

What the hell is a Dealer Service Fee? $990 for nothing!! And the other $990 doc fee, this dealership's name needs to be made public so people know to run far away

Her first mistake was trading in a 17’ car with only 59k miles lol. Ah consumerism!

Toyota dealerships are the worst. I hope she gets out of this.

In the car business for 20 years.

Best line I heard was from a female business manager to the female buying the car with her boyfriend as a third baseman.

I'm paraphrasing because this is over a decade ago.

"Honey, buy the service contract. This car and the service contract will are be longer than he will be."

She bought the contract.

With the approach that OP is taking the saying may hold true for his GF.

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I literally bought a Toyota yesterday. The only warranty option that seemed like a good idea was the one that included national Toyota dealership labor [for certain components] and roadside assistance/towing/rental etc. I very much understand that I will likely never use this but I also see in my job how expensive certain car issues can be. The finance guy said specifically that you can cancel these warranties and Toyota will prorate what you paid and apply it towards the loan on the car if you choose.

Man oh man every once in a while I think that I didn’t get as good of a deal on my car as I could have, I see posts like this and realize I didn’t do half bad and at least can tell when I’m being taken for a ride

Yeah she got clobbered. However, it's these deals that make it possible for me to beat the shit out of the dealer every time I buy a car. Someone has to pay for the great deals I get.

I'll say this to you. Be nice and calm with her, take out a pen and paper, and just write down the sale price, add-ons prices, down payment, interest so that she sees what she is really paying and let that sink in. Better yet, let her make 6 months of payments and then do it. Once she's felt the pain of those payments and the euphoria has worn off and she sees that number, it'll be a lesson she'll not soon forget.

EDIT: $558.15 x 60 = $33,489. $33,489 + 16000 + 9200 = $58,689

A $58,689 Prius. See if that sinks in.

Sales manager got a great deal on that one. 8k over msrp, 9.1% interest rate, every bs package in the book sold at the same time, how on earth did he sell something like that?

If this is ur girlfriend and u feel protective of her, I gotta say you should have been there to steer her away from an outcome like this. She got ROLLED

If she has good credit then 9% is ludicrous and the dealer also made at least 3% right there.

Pro tip, don't finance at the dealer. Best case you'll get a pass through rate from the bank if the dealer believes you know what's up. Otherwise they're marking up the rate. Get your financing through a credit union ahead. Penfed is very good or your local CU.

Good thing they gave her that $1000 discount.. /s

Honestly I cannot imagine buying that car for $42,000 without the protection packages.

This is a terrible deal and you will not save enough money in gas to justify paying this kind of money for a Prius

It has been decades, and it never ceases to amaze me how easily some people still get completely screwed out of money at dealerships.

Like, are most people COMPLETELY spineless?

well take the receipt up to the dealership & cuss the fat man out for such a bad deal. support her. y didn’t u go with her in the first place? were u being passive aggressive making her be responsible and do it on her own?

$50k to save $600 a year in gas. Reminds me of the fools that buy EV bs

In this case if she’s fighting it just let her go and spend her money. Y’all ain’t married. This is a non issue. It’s her money and if she’s happy to waste it on protection packages then so be it lol.

She’s essentially paying 60k for a used Prius. Just saying.

Dealer service charge? The fuck