The owners manual will tell you warranty coverage. If you don’t have it’s probably the manufacturer website. Most brands have it available for download there

If EA has been the most reliable for you I feel sorry for you. They are basically shit for reliability.

When they don’t tell you your finance Apr it’s 100% going to be a ripoff. When you are getting $23k as a trade in and you owe $49k you have no business getting a new car. Keep your current car and find a way to pay it down. No, you don’t “deserve this” or “you only live once” or whatever people say when they are trying to justify a bad financial decision.