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Originally Posted by iggyntangs
Can I legitimately do that even though it's on the signed bill of sale? First time buying a new vehicle (as I'm sure you can tell).
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If you haven't signed any finance documents then the bill of sale doesn't mean much. What is at stake maybe is any deposit you put down while negotiating. I would call them back and say you changed your mind and don't need the extras. Now whether they have actually gone ahead and put the protection package on, that's up in the air.
On the point about the interest rate, is this a new or used car. if it is new then there should be no discussion, whatever Acura has on its website for rates should be applicable. If it used you can go to your bank and ask for an unsecured or secured line of credit. Or get a secured loan against the car, but interest rates are probably going to be in the 5-7% range. I would suggest you tell them that you want a 4% interest rate or there is no deal.