Okla. Stat. tit. 14A, § 14A-2-111: Definition: "Amount financed"

"Amount financed" means the total of the following items to the

extent that payment is deferred:

(1) the cash price of the goods, services, or interest in land,

less the amount of any down payment whether made in cash or in

property traded in;

(2) the amount actually paid or to be paid by the seller

pursuant to an agreement with the buyer to discharge a security

interest in or a lien on property traded in; and

(3) if not included in the cash price

(a) any applicable sales, use, or excise and documentary

stamp taxes;

(b) amounts actually paid or to be paid by the seller for

registration, certificate of title, or license fees;

and

(c) additional charges permitted by this article (Section

2-202).