Conquest cash back offer (?)
 

Anyone taken advantage of the $1000 buck cash back conquest offer and then immediately paid it off? I've never been a fan of financing if I didn't absolutely have to so my plan was to pay cash for what was due above my trade-in allowance. I've had 2 separate dealers suggest that I finance and then when the first payment comes due simply pay off the total outstanding balance. As far as the fine print goes, the contract says that a minimum finance charge of $25.00 "may" be charged with early payoff. The dealer I'm working with said today that in the one instance he was aware of even that wasn't charged - just the .9%. So, it sounds like a no brainer. Almost one of those too good to be true things. I'm supposed to ink the deal tomorrow so just wondering if anyone has any experience with this and/or are aware of any pitfalls, any warnings or advice on the matter. Many thanks!

There may be special circumstances but for the majority of cases not utilizing low interest rate money to the maximum extent possible is poor financial sense. Just asking that question at a dealer would peg you not being financially savvy. Warren Buffet would take 0.9%. Being a fan of not financing is irrelevant. You are worried about $25 bucks and losing thousands. Don't mean to be hard just slapping you upside the head.