Oh, definitely did the math and found it to be a way better deal taking the incentives and knew I would not get both. I was saying I knew I wouldn't get both but "correct me if I was wrong," ya know? Had not taken the great incentives, I know I would have qualified for 0%, but would like to know why they didn't even bother with checking with FCA? Because I feel like I would have gotten lower than 3.5% with FCA and they wanted to work with the dealers bank.
I guess my main question is, shall I throw my dealer under the bus with FCA and advise them that they didn't even attempt to finance with them?
I have a bitter taste in my mouth for this finance department because the dude was flat out, a ****. We worked out the deal with the salesman to be 38k plus Tax/Dealer fee, etc. But in finance, what do you know, he showed me financing with 4k off, not 8k. He snuck in extended warranties and extras (equalling about 4k) without even a word. I am the kind of buyer that looks over everything and was not happy with him. But I was not rude. He started off treating me like I was an idiot (without any indication mind you). I was polite, knowledgeable without being arrogant, and overall staying quiet outside of the sales related talks.
He was not happy about losing that 4k in extras and I wonder if I would have gotten a lower rate with FCA and if it is normal for someone to finance with FCA on their own, after purchase, and get a lower rate. Or shall I just stick with what I got because it is not that bad. Just have a bad taste in my mouth from that asshat lol