<prompt> Human: Im wanting to purchase a 2018 VW Atlas. The dealer is stating I have to finance through the them on this car. Im actually looking at purchasing another car and they said I could go through whoever on that one. This will be my first new car purchase. My wife and I have exceptional credit. My questions. Is this an actually thing? Could I have it refinanced right after leave theoretical? What is a good rate at a dealer.Assistant: I bought a VW in the past six months. The dealership gets incentives back to them when you finance through VW. Therefore the dealership can give you a lower offer if you finance through VW since they can make up for it through the finance incentive. After some quick math, I financed through VW at a much higher rate and paid it off in 90 days and refinanced through my credit union at a lower interest. The VW finance doesnt charge a penalty for paying it off early but the dealership wanted me to keep it for at least 90 days so they could get their incentive. Human: Thats the answer I was looking for. Thanks. I know all about the reasons why and why not to finance cars. I need a new car for work to get full auto compensation. My wife wants a nice car and has worked hard for it. We have three cars to trade in and were getting a good deal on a new 17. I hate car payments, but with this deal I wont have to worry about anything car related for 10 plus years.  <response>: Great. Wanted to also point out that they wouldnt even let me put a down payment since the finance offer was a sign and drive promo. But if you plan to refi shortly after, that shouldnt matter anyways. I did math and I ended up paying around 500 in interest over the 90 day period but VWs offer was about 1,500 lower than if I didnt finance through them. Also, I know a lot of ppl prefer not to have payments. But at the end of the day, if you have good credit and can get an auto loan between 1-3 interest, your money is better off in other investments that have a greater average annual yield 6 in standard mutual fund. Still sucks to see the cash coming out of your account monthly though...Good luck, I got an 18 Tiguan but we may go back and get an Atlas for our next car. 