When I bought my car, it was in a newspaper add with only two available at this price type deals. After many failed attempts of negotiating a better price, free floor mats. We finalized the deal. The Dealer (Toyota) made us pay that night due to the add special. We had to finance it with them at the same rate my credit union was offering or pay cash/check. They also allowed me to make a down payment up to $3000 on a credit card. We paid the car off without penalty after a 3 month period (via check). We were very suprised that they would allow us to make a down payment with a credit card without changing the original deal or charging a service fee.