<prompt> Human: So I am about to purchase a vehicle tomorrow from a jeep dealership. They have financed me through Chrysler Capital so that I can get a 500 incentive taken off the sales price of the car. I have also applied for financing through my personal credit union, who gave me a better rate at the same number of months. My dealer told me that what I could do is finance through Chrysler Capital for the first 4 months to get the 500 incentive He claims that I will lose the 500 if I do not stay with Chrysler Capital for at least 4 months. After 4 months I can refinance with my personal credit union and in the end I would be saving about 400. 1 Is it true that I can refinance a new car loan after 4 months without any issue?2 Is what my dealer said true about having to stay with Chrysler Financial for 4 months?  <response>: Are you sure you want that jeep? Fiat Daimler Chrysler products are crap quality. Just a buyer beware type thing. 