You have too many things thrown into a pile and 9% is VERY high. Mixing in a trade in is also financial roulette and you arent spinning the wheel. Know what I mean? I break it all down into numbers and make sure I am clear on where the dealer markup is on each line item. If you buy all those options-- I'd ask/insist on 40% off list minimum for all together. Dealers make GOBS of money on options.

Also, the MSRP on these cars went up 300 bucks several months ago but the dealer cost of the vehicle did not change accordingly.

For comparison only, I was offered 4.99% financing and kept my old car totally out of the picture ( It sold easily on the "open market."). I financed at a commercial bank instead for the remaining amount after "downpayment."