<prompt> Human: I received a large payout after an accident and want to apply it to my new car purchase it should cover about 13 of the total cost. However, I dont want it to negatively effect the loan rate. My credit score is 800 so I should get prime.Does anyone know when I should tell the dealer about the payment? Thanks in advance!  <response>: You can tell them when you meet the finance guy to finalize the paperwork. 