I'd say they are not the same but contain some of the same elements. I'm not taking a loan, so no lending agreement which I assume has interest, payments and stuff like that.
My MVPA has a couple of cost sections. One is the charges broken down with LR, color, hitch, Tesla charges, etc. The other cost section has the total of the first and adds in stuff like sales tax, trade-in, registration fees, etc & one line for
Finance Amount.
The rest is boilerplate on terms, arbitration and stuff like that. I've uploaded that second page (redacted of course) from mine.
View attachment 583019