Dear Jon (the little ass humper)
I do a I/O Loan (intrest only for the less smarter people like yourself.) I do it this way because I like to trade up every year. It really works out well not having to make a car payment every month. At the end of the I/O I can just re-up, put money down and re-fi, or trade. There are very few financial institutions that will do this. If I were not a car dealer I most likly would not have this option, but because this is what I do for a living and my local bank does not have anyway to book Vipers out, so they just take my word for it and. I do back up what I tell them with auction wholesale reports just to keep them comfortable with what I do. Plus my A+ credit makes it a little easier. Not many people my age have paid off 450k accounts showing up on their credit bureau. Guess I was lucky to have been a building contractor and had super high dollar loans for building comercial construction for years before I got in the car business. With good credit you can have anything.
BTW if you would shut your suck I can teach you a few things about driving a car for free.
Your Good Friend Chad
I'll call you next week.