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Will getting a refund on extended warranty and GAP insurance cause my interest to go up?

I just purchased a used car with 30% down payment. I noticed they charged me for GAP insurance and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up because they used the purchase to bargain a lower interest rate. Is this true? If so, do I have to accept the higher interest rate? They say I can't return the car because it was already signed for but I don't want to buy at a higher interest rate either.

   








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Will getting a refund on extended warranty and GAP insurance cause my interest to go up?
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Will getting a refund on extended warranty and GAP insurance cause my interest to go up?
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Will getting a refund on extended warranty and GAP insurance cause my interest to go up?
I just purchased a used car with 30% down payment. I noticed they charged me for GAP insurance and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up because they used the purchase to bargain a lower interest rate. Is this true? If so, do I have to accept the higher interest rate? They say I can't return the car because it was already signed for but I don't want to buy at a higher interest rate either.