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Looking for options on what I should do. I plan on putting a 15K down payment when I pick up my 4R. I am out of state so they will not let me bring my own financing. They are offering 7.31% Interest on the loan, I have been pre approved to get 5.13% from a local credit union. The dealer has made it seem they won't budge and told me to just refinance with the local credit union when I get back in town. The question I have is should I just not put any money down with the dealership and put it down when I do the refinance? Or does it not really matter?