Hello, I'm buying a certified pre-owned A5 from California (I'm in Michigan). The dealership sent a "Retail Installment Sale Contract - Simple Finance Charge (With Arbitration Provision)" which details financing and charges for interest, with a section that says "you pay no finance charge if the amount financed is paid in full on or before April 21."Is this normal? I'm getting financing through a credit union. They also included a credit application, which I don't see the need for. Also, it's a CPO car. Where would it typically say that? There is a "Statement of Facts" and a "Buyer's Guide" that says the car is sold as-is, but neither mention CPO. Thanks for any help!