<prompt> Human: I put a deposit down on a new car several months ago. The car is now ready and its time to settle the full balance. I told the dealer I wasnt interested in any finance but hes offered me a deal that seems too good to be true. He says I can take the loan and pay it off after one month and in return he will give me a 5,000 7k discount on the car. So it will cost me one month interest but I should be 2k better off by taking the loan. This is a high value car and if I wasnt able to afford the full payment now I wouldnt be buying it so it does make me slightly uncomfortable taking a loan. But I assume the dealer gets a kick back from the loan company. Would I be stupid to turn it down?  <response>: Read the fine print carefully to make sure there arent any pre-payment penalties. 