Originally Posted by jp467
Risky loan?? You are completely wrong.. Dealers get commision on those loans that's how they make part of their profit. Its no risk to the dealer once you sign they get paid by the bank and they are done with it. It has no effect on the dealer if you ever make a payment or not. You can always get a better price if you are financing because the dealer is going to get a comission for the loan where if you pay cash they don't.
Yeah, I don't think that is the case as far as Chrysler financing goes, I don't believe there is an inscentive to sell 0% loans but I could be wrong I'm not a salesperson. The loans you're talking about are third party loans and the rate is going to be stupid anyhow. You should try to negotiate both ways and see which way it goes, in my experience I have had better luck with a bank check. Point being there is room to negotiate and the low ball offer we were talking about at the begining of the thread was too low. Thats all I was trying to convey.