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Message: <blockquote data-quote="Glocktogo" data-source="post: 3637124" data-attributes="member: 1132">Usually the finance gig is worth about $1,000 off the price of the vehicle. That's why one of the salesperson's first questions will be whether you plan on financing there. Their terms almost never penalize you for early payoff. So long as your credit score is above 720-750, you can negotiate terms about equal to the returns on a reasonably moderate risk investment (yes you can negotiate the APR too). That affords you financial flexibility that can mitigate overall risk. Done well, you're leveraging the lender's money, rather than them leveraging yours. This gambit isn't available to everyone, but if it is you're leaving money on the table if you don't use it.</blockquote>