You don't have to pay cash up front. I just ordered a 1500 Limited using the Tread Lightly affiliate program (Google Tread Lightly - look at the $100 member level). 1% below dealer invoice plus all applicable rebates and any FCA financing promotions. So in my case, 1% below invoice, $1500 in rebates, 0% FCA financing for 48 months (that worked out to about 11% below MSRP). If rebates are higher at time of delivery, I can take those. The 60 and 72 month financing didn't have 0%. I don't remember what the specific interest was, but I know that on the 60 month rate the interest charge was $2200 so I took the 0% for 48 months.