The more monthly is good but factor in the downpayment, it is an extra $100. You should have converted the down payment into security deposits instead which would have lowered the monthly and been refundable.
I was thinking the same thing If it turns out to be a good deal then great, you assumed that anyway since you jumped on the deal, if it’s a bad deal then you just found out you that you wasted a bunch of money. Where’s the positive?
There answer was that" I am now already currently getting .00097 which is apr of 2.33. That is the lowest possible and more msds will not reduce it any further"
As long as the money down is infact MSD - which it appears to be, (not sure if you know this but you get that money back at the end) then overall not a bad deal per se… about right for a lower spec car- you could have gone for more money off the car - say 11-12% with a bit of grinding but as someone who hasn’t hacked before that isn’t bad so don’t worry too much and enjoy the car.
Live and learn for next time to get he sweetest deal.