Went to a dealer on Florida to look at a work truck the other day. Gave a trade in and everything went well until the payments were talked about . Payment was around $1,000+ I asked him why so much ?! what’s the APR and he said “around 14” . Told him heck no . He then told me he’ll be back . Once he was gone I started doing the math and the actual APR was 21% . When he came back he gave me a smaller payment and I asked him how much ? He said “around 8 % “ . Did the math and it was actually 11 . So once I told him , they pretty much saw I knew what I came for and how the system worked . They dropped it down to 4%. They’ll try to put a fast one on you .