Financing a Gold Certified 2020 4Runner SR5 Premium 2wd

I'm looking to finance the following vehicle from Savannah, GA. I reside in Jacksonville, FL. A few facts about the 4Runner:

• Gold Certified CPO, so i'm covered until 2027 and may extend the warranty to 2030 through an online provider
• 38,000 miles - The dealer said that it's actually being used as a loner so it might be higher now
• $38,700 asking price - on the low end according to KBB
• a 2-year service plan is included even though I can't use it because I live 2 hours away.
• I'm pre-approved through Capital One for $32,091 at 6.26% APR
• I'm trading in a 2008 Jeep Grand Cherokee Laredo that's only worth $500.
• I'll use my insurance provider's GAP insurance b/c it's dirt cheap
• I plan to keep this for at least 10 years. I kept my jeep for 8 years and would have kept it even longer if it could survive that long.

My goal is to spend ~$8,500 tomorrow including the down payment, taxes, etc. Do I have wiggle room to negotiate? Can I decrease the OTD price if I don't need the service plan? Any other advice?

Thanks everyone!