<prompt> Human: Kia Motors. Took 4.99 financing because it gave me an extra 1250 off the price of the car. I can get 1.4 with my credit union, but he says I have to make 3 payments before I can refinance because of mumble mumble. My contract clearly states no prepayment penalty, which I just confirmed on the Kia Motors Financing website.Can I go refinance this on Monday or is there something Im missing?  <response>: The contract counts. Mumbles do not.Dealer may be referring to the number of payments you must make for them to get their spiff. 