OP, do some homework and check with you financial institution if you have one, but in any case get some information about what else is out there in regards to rates and terms. Then sit down with the finance guy/gal and see what he has to offer versus what you already know. They may be able to match of beat it. When I financed mine out of choice (couldn’t see taking $100,000 out of investments earning twice the going finance rate) they were able to place it with BAC, no fuss.It actually was a pleasant transaction from the first sales meeting to the final paperwork. Service after the sale was a bit ragged though.