To start, I understand that this is entirely my fault. Five hours at a car dealership does terrible things to my critical thinking skills. I'm just hoping my circumstance allows me a way out.
Signed the papers for a used Mazda yesterday, and I'm regretting the carefree vehicle appearance warranty thing. I'm picking the car up today because I didn't have a checkbook on hand to make the down payment. Paid down with a wire transfer, but it went through after their banking person left for the day.
Is it too late to back out of this? The contract says no cancellation, but if they didn't have my down payment I think I could maybe argue it hadn't started yet. Also left a voicemail last night asking them to not apply any paint or interior protection until I okay it in person in case that makes any difference.
Do you think it's possible to get out of this? If I can't, I'll live. I can afford this mistake, but I won't be able to live with myself for falling for dealer add on bs.
Also, is gap insurance worth it? I have GEICO. I'm looking at 10k down and ~28k financed. Plan to pay off in 2.5 years. Dealer had gap for around $800.