2025 Honda Civic Sport Hybrid

Is this a shitty deal?

2025 Honda Civic Sport Hybrid,

$261 Biweekly over 84 months with $5,000 down, total cost would be $48,848 this is at 5.99%, cost of borrowing makes up about $8500 of that amount meaning that it would end up around $40,000 for the car itself plus any add-ons which I've listed below

MSRP plus Freight and PDI is $34,890, with tax that's $36,634.50

Includes

Complimentary oil changes for life All weather mats Cargo tray Paint protection film 8yr/200k km warranty Security etch Block heater Trunk film Door entry film Key fob exchange program No charge service loaners 1 year valet service 1 year tire and rim hazard coverage

I know, 84 month loan is always going to be expensive, my plan is, to pay around 2-4k extra per year which will buy down the term, longer term gives a bit of breathing room which I like.

I need a solid car for work and commute about 80km round trip most days.