<prompt> Human: I offered to pay cash for a car, but during the haggling process, my car dealer asked if I could finance the car instead, and keep the loan for at least four months before paying it off. He was taking 1,800 off a what would be a 11,800 loan, so I verbally agreed. I havent signed anything related to the loan yet, so Im not worried at the moment, but I wanted to know more about this.The dealer claims that the bank will kick the dealership back some money after four months assuming that the customer is making payments on a loan. Im not terribly interested in paying four months worth of interest if I dont have to though. I dont know what percentage theyll be offering me. Obviously if its out of bounds Ill just get my own loan or pay cash instead. Is this something they are going to write into the fine print to try and force me to do?And how much interest should I expect to be paying over a four month car loan for 10K at lets say a 4 interest rate? Edit: A lot of your are asking about prepayment penalties, I specifically asked about that and he said no. He further said that those are illegal in New York, maybe specific to car loans. I dont know about that. Also, Ive decided to carefully read whatever I sign to make sure Im not agreeing to the four months, then Ill just pay it day one. That sounds like the safer bet since I dont want to wind up being a party to something. I have no problem messing with the sales guy a little.  <response>: Id likely do it as long as there is no prepayment penalty. He is going to get a kick back on the financing. Ive asked dealers about this before but never had any luck, glad it worked out for you. 