(Assuming you're not paying cash) Unless you've also negotiated your APR with your sales price, thats where it usually shows up. The rate is just recalculated

(Assuming you're not paying cash) Unless you've also negotiated your APR with your sales price, thats where it usually shows up. The rate is just recalculated to make the fee included. For "no penalty" payoffs, it generally has fine print saying you can't sell before some minimum period of ownership. Which is why it's a good idea to have backup financing pre-arranged and approved with a credit union. That gives you leverage to negotiate financing even with a settled cash price. Either that, or their margin on the vehicle at your negotiated price is big enough that it doesn't make much difference to them.