Banks just suck.

[firecadet613]

Well, you can get some factory new "deals" down near that APR...

...as long as you don't mind paying all the interest up front, in the disguised/invisible form of the -18% equity decision you make by signing the delivery slip.

(whispers: The APR of factory financing is built into the new paint.)

Nope.

Take the cash rebate, not the financing deal. Who keeps a loan through the full term? Pay. It. Off. Early.

My last 3 new trucks were bought for over 20% off MSRP and then traded in at 2 years old with 60,000 miles, plenty of equity in them at that time (not even counting that I wasn't the one making the payment)...