<prompt> Human: I sell carsCustomer comes in, has 5k to put down on a car, we run his app and get him approved...however I noticed on the credit report he has a signature loan with a company who is known for their high APRs, I get his app ran again with no money down, bank accepts no change in APR just a higher payment. BTW we got him 6.5 APRSo I sit down with him and basically say Your approved, but I want to talk to you as a friend not a sales person he goes ok I go You got a personal loan with X bank, whats the balance, and whats the rate?He goes Balance is 3,500 and rate is 24 payment is around 200 a monthI said Alright, well I got you approved with 5k down, however you could also do no money down, our rate is 6.5, so here is my idea. You take the no money down right, and pay off that 24 APR loan completely. Now your car payment will go up by about 100 a month however you will also be paying off a bill thats costing you 200 a month.He sat there for a moment and looked at me and said I can do that? I said yea you can do that he goes Why did you do this? I said Cause I saw the company you financed that signature loan with and I know they have higher rates and I said to myself I should see if I can get this guy more money to pay down his high rate loansGuy was flabbergasted, and happily purchased the car from me. He texted me today and said he just paid off his high note AND off another credit card with the 5,000 we didnt take from him.Now on to the pr peeps who will blast me 6.5 APR for his credit rating was a good rate He wanted to buy a car, I created the best overall situation for him with the cards I was givenEdit 1Im not interested in earning business off of reddit nor exposing what dealer I work for. For various reasons. Reddit is my private venting place. Not going give that up. With that being said raskcarsales has a team of people like me giving you real, honest advice. Be warned we have a reputation for stomping on toesEdit 2Cleaned it up a bit  <response>: Props to you man for using your position to improve the lives of others, not take advantage of it. 