[seand1111]

not to point out the obvious, but you got the same deal at Baker as you could have gotten at sterling mccall (assume you had taken the 425 at 72mo deal).

514 x 60 = 30840

425 x 72 = 30600

its a game dealers play.......you should never tell them what you want to pay, you should negotiate the price of the vehicle.

An example of this would be; You negatiated the truck for 23300 drive out, well at normal loan rates of ~6% for a 60 month loan (these are the current rates of my 3 CU's right now), your payment would have been ~450 per month with a total payment of right at 27k.

but in the end, none of it really matters as long as YOU are happy with the deal.