Do we have to buy an lengthened use stipulate in Oklahoma upon the used car?

Bought the SUV, 2004, in Oklahoma. Dealership pronounced you could not get the loan but shopping the lengthened use contract. Is this legal? The loan was by Wells Fargo. I’m starting to terminate it now, March 2009, paid for car in October 2008. Just refinanced with the internal credit kinship as well as was told which this is bootleg in the state, Washington. Let me know if know anything.

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