I love it when they throw free money at me. I once got 4% off for financing a new truck through the manufacturer. I checked that there was no prepayment penalty, took the deal and made one payment.Last deal I got was for dealer financing at 4% but they gave me 2000 off sticker. I took it then refinanced their loan to 1.9% on my own credit union. still saved me 2k so I can play that game every time for that.