basically i'm giving them my bike still oweing 3800.
theyre giving me 4600 for the bike
i'm giving them 500$ to help toward the 3800 owed on the bike

total borrowed after the bike and 500$

18,800

seen alot of the exact cars online for around 21,000 ave, main question,

Am i getting hosed?????? I see where i wrote finance charges, see that just proves how bad i am at this!!