<human>: So, my current car, I've had for 4 years and put a total of 14,000 miles on it. It's in my dads name, so I couldn't trade it in. I also didn't drive it on the highway very much. Or ever, really. 

I haven't completed the sale yet. And I'm basically just feeling overwhelmed at all the information they've thrown at me. Maybe they think that because I'm 24, female, that they can be tricky with me or something. 

The amount of the loan is going to be $9,448.88. My credit union gave me approval for a 4 year loan at 2.25%. (about $206 a month) When I called the dealership to inquire about their loan (because I wanted options) they offered an 8 year loan, plus this bumper-to-bumper warranty up to 100,000 miles with a $0 deductible. But, they didn't give the APR %, they just said they could get it for under $200 a month.

The breakdown is that the car is 10,900. The conveyance fee is 499.00 (which, I didn't even know what this WAS, I had to google it today). Sales tax is $721.93. Then there's something that says VIN ETCH (200) and 40 Mile/Lifetime Mechanical breakdown towing (69.95). It's printed right on the document. 

So, now I'm just at a loss as to how to handle the whole transaction. Am I even able to negotiate at this point? Should I just stick with my credit union's auto loan because I have no idea what's even included in the dealers offer? 

I'm going there on Saturday morning to either finalize the deal or not and I just want some info to help me understand this.

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: Buying a car for the first time (used, 41,000 miles on it) and feeling confused about the car loan options and what to do. An 8 year loan sounds excessive.