When I get there tomorrow, I'll discuss it a little further. As I tried to convey in my OP, if its something I WILL need but haven't thought of yet, why not put it into this loan amount, get the lower interest rate, and THEN pay that extra on my first payment? That gets me a lower rate and I'll pay it off with my first payment.
Oh, but monsieur, your first post did not indicate this intent, no? :) If there's something you really feel you NEED, then go for it, especially if you plan on paying it off right away. However, that extra $1K will be spread out over the life of the note. You might be better of taking of the suggestions above and just paying the note off sooner.