Saturn does not except the GM card! (the one that earns 5%) We (Saturn) do except the new GM credit card that only earns 1%, I think it's called "family first"?? Did you put $3k down that you don't know about? Here's another thing, it's a GMS deal, soooo there ain't no monkeying around. A Saturn dealer will NOT take a $3k loser deal! If you still insist that you "only" paid $13,600 w/ an extended warranty, then I would stick close to the phone, cause the dealer will call you to get you back in to either get more money from you or have you return the car.
Now the deal that Blu_Redline got was staight-up (back then) not now.
Sorry but, your deal just doesn't add up and math has been around longer than anyone of us.