<prompt> Human: My wife and I are in our late twenties and just bought a brand new car. Part of the sale price of the car relied on the financing we chose. We chose to finance through a group that rhymes with Nissan to get 1500 taken off of the sticker price of the car. The loan is financed at 5.77 over 6 years on 18k, which is insane for us both having 750 credit scores. The dealer said he would refinance the loan for free after 4 months to a cheaper alternative, and that this is standard operating procedure for them. The group that rhymes with Nissan requires that they hold the loan for 4 months to honor the 1500 we got off of the sticker price, otherwise they will claw back the 1500 savings. Against my now improved judgement, we accepted this deal. My wife and I will also be looking at getting a mortgage within the next year, so were very aware of our credit scores and what might impact them. Were not overly keen on refinancing due to the additional hard inquiry, nor are we interested in paying high interest.Our plan is to pay 10k to 15k on the loan on its first payment, reducing it substantially, and continuing to make payments in the coming months. The day after that 4 month window passes, we would pay off the loan entirely. We believe this would minimize our interest payments. Yes...we could have paid for this car in cash. No, I dont know why we didnt in the first place. Believe me, Im kicking myself. Our improved cash flow at the end of this will allow us to recover our savings in 10 months.Are there any pitfalls to our plan, or any other considerations we need to make? We want to maximize our credit score, or avoid lowering it as much as we can, while not paying the crazy amount of interest.  <response>: Pull out your agreement and look very closely for any early penalty for paying it early. A lot of times dealers will say to wait and blah blah because they lose the kick back from finding you the financing if it is paid too early. Most times it is not the case and they have no action if you do, but look over it thoroughly to be sure.But, if it is the case, you have a solid plan still. Paying a few months worth of interest is not bad if you consider the 1500 off the final price. 