I called my bank from the sales desk and negotiated 1.9% for 48 but I told the guy I can get .9% for 60 from my bank. Unethical? Maybe. So what these people are crooks. You have to be a dick.
“The last new car I bought in 2012 I negotiated the price. Then I asked for .9% for 60 months. I got it.
The loan was thus part of the negotiated price ...