They are setting you up for a re-sign or a payment bump when you go into the store. Have them take out the rebate, and keep payment where it is. That $1420 is about $40 a month in payment. When they tell you they can’t keep payment the same, ask them to split the difference with you.
The math isn’t making sense to me. Even if I discount the price 900 since I only really owe 18,6 on my loan, I’m getting a payment of 314.
You still have some negative equity that is getting rolled into your payment as well. That $1600 is about $40 a month.
I added that in. Comes out to 314?