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OK I know you've now learned the all important lesson about reading every word of every document you sign, especially when there's major dollar value attached to it. Dealerships routinely jack up the payments in the end (gap insurance, dealer prep fees, and all sorts of other useless bullshit that they sneak in there).
But the real important lesson that you may not have picked up on yet is this: NEVER buy a car based on payments.
The salesman will always ask you how much you can pay per month. Don't answer this question.
Let's say you tell him you can pay $600 a month. He'll extend that loan out over 5 years and what should have been a $29,000 car is now a $36,000 car.
The proper answer is "Don't worry about payments. I'll take care of the financing. Let's talk about the price of the car."
The other advantage to negotiating the price of the car rather than the payments is this: Now they can't fuck you over as easy on the extras they like throwing in. After all if you agree to pay $29,000 for the car, and you see $35,000 sitting on the contract, you know they're messing with you.
Yet another advantage, of course, is that you can obtain your own financing, which is almost always at a lower rate than the dealership - keep in mind that the interest on the loan is also going into the dealership's pockets (it's the rare dealership that just forms a relationship with a bank and lets the bank do all its financing - more common for the dealership to do its own financing and take in all the interest as well.)
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