Heres what you do- do your research on the vehicle you want- walk into the dealer like your Donald F-in Trump- DO NOT let them run your credit- tell them you have financing in place- DO NOT say with who or what the interest rates are. Negotiate a deal- bargain hard- get them to the piont they believe you will buy- but don't sign anything yet- LEAVE the dealership- tell them the price is too high- if they call you- negotiate again- get a better deal- get them salivating- Then before you sign anything ask them to try to finance you- and see if they can beat your rate- again DO NOT tell them the interest rate or mention roadloans.
If they get you a better deal then good- if no- you have a decision- go with road loans or not. If you can make 6 solid monthas of payments, and your not upside down on the loan (doyou have a trade-in or cash upfrnt?) you should be able to refinance with a bank or credit union with a better rate.
Another thing you can do is make bi-weekly payments- you need to research that.
