$600 over dealer cost? Invoice or holdback? If you bought it for $600 over invoice, you got ripped off, $600 over holdback means you got an ok deal but could have done better considering the circumstances. The extended warrantyâs are not usually done through the manufacturer, they are separate companyâs, so 50% off was probably just the dealerâs cost and they gave that to you to make a deal. You can sometimes get a better deal if you donât pay cash. Dealers make money originating loans, just like mortgage brokers. So if a dealer really wanted to sell a car, financing it can actually help get a better deal. You can always pay it off early. I guess though if youâre happy and theyâre happy, thatâs all that matters