Dealing with the manufacturing offers confused me. I have to admit I was not strong on the financials in comparing deals. I knew what I wanted but I was having trouble grasping exactly how I wanted to lay it out in a spreadsheet.
Toyota Financial had two deals going on. A cash back offer of $1500 if I pay cash/check. Or a finance offer of 0% with $1000 cash back.
The loan deal is “available to eligible customers”. I know I’m eligible, not just from the Credit Union offer, but also from my Credit Score on Credit Karma. No surprises.
At this point I put all this information on Sheet 1: Interest Calc. But it was not useful on a way I could use to negotiate with comfortably.
I left it as is.