Need a big advice please.

Greetings all. I’m refinancing my vehicle with a company called Drive Point Exchange. They are also offering me some sort of warranty, which I find a little suspicious. Here are the features they claim to include in this warranty plan for around $177 a month: 1. Your Exclusionary Vehicle Service Contract (VSC) You are now covered under our highest tier of mechanical breakdown protection. An “Exclusionary” contract means that every mechanical, electrical, and high-tech component on your 2026 Chevrolet Suburban is fully covered, unless it is specifically listed in the exclusions section of your booklet. Contract Term: 60 Months or 999,999 Miles. Deductible: $100 per repair visit. Engine & Transmission:…

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