Thanks for the info. It always pisses me off when they try to jerk you around with the financing like that. That's why I always line up my own financing, no trade in, etc. Had one Ford dealership offer to do like 1.9%, after I was already setting up my own financing. I said try it, but I bet you come back with a higher rate, even though my credit's good. Sure enough they come back with like 5%. Since the car arrived early, my bank wasn't ready, so I had to have them finance the deal temporarily, just so I could take it. 3 weeks later they're calling saying come in fast, we can't get anyone to finance you at the rate. I was like don't worry about it, I'll be there later with check in full so don't bother me with your broken promises. So I took my time and brought them the check like 2 months after I took the car; you should have seen the Sales Manager's face when he realized they gave me a car for free. I could have screwed with them so bad. And all the while my girlfriend and I had really good credit. They're pathetic.