I was Pre Approved by my Credit Union for the full amount of my Ram
Then the dealerships Finance Officer told me about the FCA financing plan
I went back to my credit union & told them about the offer
I was told to take the FCA plan for X number of months, i think it may have been 4 months.
So i took the FCA plan for the number of months that the plan said that had to, to receive that discount.
Then i refinanced with the Credit Union & got their 3% rate
I made payments for a short while, i was doubling up on the payments
Then after asking the credit union if my credit rate had come up any.
They told me that it had, so i paid off the Ram, & just kept enough of the loan money to repaint my Ram, When it was repainted, i paid off the rest of the loan.