Watch out for instantly paying off the loan. Some will have a sizeable prepayment penalty in first one to three years but could be anything you accept to do when you sign the loan. Also consider getting approval for your loan before going to dealer as they can get a "commission/referral fee" from lenders for choosing them. Lots of possibilities out there. One to consider is farm bureau. It's more than just the $500 rebate from Ford. Think of it as a discount avenue. In addition to Ford's rebate other certificates are available for other products. Also others participate, lenders, insurance, hotels, motels, +++++! Go to farm bureau web site and check out. Go to them first. Have to be a member to get certificates BEFORE buying/ordering certificates!Okay, here is what you do. Stop dealing with them over the phone and switch to email for documentation purposes, get what they are claiming the total is and have them itemize everything.
Now, tell them you will finance with the dealership, if they remove or lower/remove some of the cost. Once you take ownership, instantly pay off the loan and leave a nasty review, on how you were extorted by the dealership!
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