Ok, so I have my truck on order, no ETA yet. I have an affiliate pricing number, which gives me 1% below invoice when I finally do the deal. My dealer has told me that in order to use the discount, I will need to finance through Chrysler Capital and only put 10% down payment, then I would need to make at least 4 payments on that loan before I could refinance with another lender. Is this true? As of right now, they put a rate of 4.49% for the financing, I assume that is based on my current FICO score. I am expecting my score to increase between now and the time I take delivery, so I am hoping my rate goes down by then, as well as other incentives or rebates that may become available at the time. When I get closer to delivery, I was planning on checking with a couple of credit unions to seek out a better rate, but if they won't give me the affiliate pricing, I guess I'm stuck financing through Chrysler and then refinance the loan after 4-6 months, provided I can get a better rate. I also expect to be able to use the threat of refinancing the loan immediately after purchase to prevent them from jacking me around in the finance office. If they are fair with me, I'll go along with the game and let them get their commission. Please, anyone who has had experience with this let me know if what they say is accurate and if my plan is sound.