My Husband in 2009, purchased a Mustang GT. He placed $7,ooo down to cover NJ State taxes of $1,766 (& $189 title transfer), Gap insurance of $600, SOLU fee ( Extended Service plan ,which he never requested,or used either ) in the amount of $1,695. He had great credit around a 750-800 and he was told the only Lender offer was an interest rate of 24.99%. Is it LEGAL for Dealership to tack on an additional 1%-10% rate point system for their own financial benefit? Believe it's called a "reserve rate". My Husband was never shown the original % rate from lender, even though he requested it. He was given the run around & then being told it was 24.99%. We currently live in Florida now & have to buy another vehicle soon. We want to know our legal rights if we can decline that extra %.If not legal to do this, is there a way to locate the original lender offer without the Dealer's additional rate % on it,so we can legally do something about that charge? And which type of Atty would we hire to review this case? My Husband and I hadn't know one another at that time either. If so.. I would of intervened in that sale. Ignorant decision which has followed him....Us now, for the last several years. Paying $544 monthly. This loan we are upside down on with being unable to refianance, or trade in... All of this due to from a higher % rate... He bought this car several months before his company merged with laying off over 3,ooo people, him being one of them. He worked there for 18 years.