re: Haggling over a new car saved me over $1300

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However, if I put $3,000 down, all I have to do is pay $158 a month for 4 months, then I can pay it all off and avoid the 7% interest.

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After you buy the car, ask for that in writing. They won't be able to provide it to you. Pay car off the next week. They get a chargeback on commissions from the finance company if you refi or pay off the car sooner.

We deal with this all the time when we try to refi car loans. It's bullshite. You can pay it off or refi immediately. We urge our customers to take the dealer financing with the rebates, then come to us to refi.