<prompt> Human: Im about to buy a new 2014 KIA Optima from a dealership. Ive been following the advice given in this article about contacting local dealers to get quotes for the exact year, model, trim, and options Im looking for. Of the 8 quotes Ive received, 2 have mentioned that if I get financing through KIA I can get 2,000 cash back instead of the 1,500. The APR on this would be 0.9 or 1.9 and the dealer says there are no early prepayment penalties. I cant find anything on KIAs website about such a deal, so Im wondering if this is a trick that will end up costing me more. As mentioned in the title, Im planning on paying for the car in cash, but if I can save an additional 500 and pay off the remainder next month without any penalty then Id go for it.Has anyone ever heard of something like this? Is it legit or a trick?  <response>: Dont have the time to see if this was already posted, but my husband has a 2012 Kia financed through Kia and he has NEVER been able to make a principle only payment whether it be online, mailed in check, phone or any other way. He has spoken to numerous people at kia financing and they said that all payments are applied to both principle and interest, never just principle. Maybe something to consider as well. 