The truck I have was paid for in cash after I got a final price. I pulled out a bag full of Franklins, counted them out and went on my merry way.
When I whipped out cash they were somewhat upset and I won't do that again. Instead I will finance the truck and go through all of the paperwork and hoople that goes with it, making sure there is no penalty for early repayment.
You can get a better deal often because the finance company kicks back a small piece of the action to the dealership. That makes the dealership happy.
When the first payment is due you simply pay off the whole damned loan and get the hell out from under it.
Expect an angry/upset/dissappointed call from the dealer shortly after.
You can tell him innocently that you just came into money and cleaned up all your debts. If you have talent you can make up a good story about winning big in Vegas or having inheriting a sum of money from your favorite uncle or whatever suits your fancy.
"My great uncle lived in Chicago and worked for Al Capone and my mother was his favorite niece. On St. Valentine's Day 1929 he was one of the guys that ..."
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