You gotta love the finance guys, they always think they're the smartest person in the room. The last 3 times I've bought vehicles I had loan sorted out in advance, through my own bank. I still had one try to convince me he could do a better deal, but he didn't understand the difference between monthly and weekly payments, $98 a week is not less than $400 a month. I even had to write it down for him, I don't know if he actually knew he was trying to rip me off for $25 a month. But when I bought the FJ, they were good, they wanted me to drive it home that day so it would go in that months sales figures, the finance guy beat my banks repayments by all of $2 a month, the loan was over the same period, so I just went with them, but paid it off in half the time.