re: Scammed by auto dealership...What should I do?

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Every single person posting in this thread has been lied to by someone selling or financing cars.

Learn and move on.

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It's not really that. The point is that it is their job to try to maximize their profit centers on a deal. Consider it like a dress shop that also convinces your wife she needs the shoes, belt and earrings to look good in that dress she loves.

There are several financing options for used cars. The rates are set and the payout to the dealer is set for the most part. The different companies with different rules govern the %.

I personally think its a great idea to have extended warranties on vehicles you plan to keep and who's factory warranty is gone. I have one (bought at cost) on my vehicle that I drive the hell out of for work. It covers every single thing bumper to bumper...electronics and all.

Look, this guy goes in and asks for over 6 year financing on a USED CAR and he finds it odd the finance company wants to protect it's asset with a warranty?

OP, who cares if you "might" pay it off earlier. The finance company knows you probably won't or else you would have gone for a much shorter term. You didn't go to a bank because they won't loan you the money for that long of a period on a used vehicle.