<prompt> Human: As the title says, I recently got a new car and Im financing it. A few days later my salesman texts me asking me to come down to sign some paperwork since they got me a lower payment. There has to be a catch right?  <response>: If you already signed all your paperwork then singing something else means the terms are changing. A lower payment promise usually means they are changing the length to longer and probably upping the interest rate. Sure it is a lower monthly payment but you end up paying more over the term of the deal.Sometimes it could be they found you a better deal overall but most of the time they want to get as much money as possible from you and not give you truly better deals overall retroactively.So if you want go down with a copy dont take your originals and compare everything for what has changed. But if you have signed paperwork already you are under zero obligation to just let them change things. 