Your warranty does cover any further expenses that you may need in the future. For example, if you need to completely change the headlights in an accident. However, be aware that after 5 years, you will not be able to use either the labor force or other services of this loan. You are going to use it after 5 years. I would consider protecting my credit. I would find some specialist who can provide me with a trade financing loan. I know that this is possible. And that it covers not only you but also the other side. I believe the seller will be pleased with this offer. What do you think?