Answers

You can't renegotiate the sale price of the vehicle, but you can potentially pay off the loan. Check the fine print on the contract, you may have to wait 90 days or 3 payments.

You wouldn't have gotten a better deal paying cash, might have even been worse if the loan was obtained via the dealer. A dealers profit comes from the sale of the vehicle at a given price, AND any profit for a loan, warranty, accessories, mop/glow etc. Sometimes you might get a better deal on the vehicle, if they know you are getting the loan or warranty thru them.

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If you took delivery of the vehicle already, you can't renegotiate the deal.

If you have cash for the entire loan amount, you can certainly just payoff the loan. I'm sure that it's simple interest and you'll be able to take care of that.

Just fyi, the dealers will actually give you a BETTER deal if you finance. You don't get a better deal if you pay cash anymore. Back in the old days that was true. Not anymore.

Good luck!

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