I just bought 13` Chevy Cruze LT,.I think I just got ripped off with all the optional stuff they said I had to get or else the ltv would mess up my intrest rate.
I was approved for 25k @ 11.9 through GM. The MSRP was 17k with a dealer rebate of 1000. I put 1500 down, they bought my old car which was negative in equity... 5k car was worth 2500... They paid it off.. but I ended up with a 24k car loan... WHAT DO I DO 
I think extras are a bad idea.
You can always find them cheaper elsewhere.
The dealer told you that you had to buy the extras? That is not at all the case, that just throws off the LTV.
Get LTV in check to the point that you don't need Gap.
Make payments over the minimum, then refi with navy once your scores get a bit better.
@ihatemyscore wrote:and the car came out to 22k...
I think I want to cancel the gap and paint and fabric .. lol and should I cancel the warranty??? or negotiate it? since these were optional do I have any rights to cancel?
I think you should cancel everything and put more money down. Did you negotiate the price of the car at all? I posted about a chevy cruze the other day. Was I talking with you? I said how much off MSRP the price should be.
The lowest price MRSP for that car is $18k, and you should be able to get it for $15k. Actually, looking at your score and recent BK. You are lucky to be driving a new car 
Congrats on the approval.
@ihatemyscore wrote:@Anonymous the credit manager @ GM did a double look and denied me so I have to take the car back anyways!
WOW...
@I have a pre approval through roadloans for 21k @ 20 % but in a yr I could refi with navy... what should I do?
I want to take this car back and just start over..
Can anyone help me? Before I get into a mess again! lol
Do not take the 20% loan.
Take your $1,500 bucks and buy a cheap car with cash on craigslist.