OP if you do some research about shady deals at dealerships, this is a VERY COMMON game that they play....it doesn't seem to be a mistake on their side, they are trying to make more money as they will make not much on 0%. I do have to say that over $20 000 for a versa???? WTF is with that? Did they shop around at all? That is a tiny car, sorry just surprised it is that much. Either way don't take any crap from them, and do some research about this tactic, good luck.