Gonna try to make this as short as possible.

Found a dealership with the car I wanted at a price almost $2500 less than other dealerships. Car Fax is good and title is clean.

Salesman tells me that the price is based on financing the loan, meaning I can’t pay the price in full, which is what I want to do.

When he realizes I don’t want to finance the loan he tells me to tell their finance guy that I’m going to finance the entire amount of the car (minus my trade in). He then says that when the first payment is due I can just pay it in entirety without penalty.

I say ok that’s fine. Now when I’m doing the paperwork with the finance guy he goes out of his way to say that he knows there’s no penalty for paying out the loan in full immediately, but that we have a “gentleman’s agreement” not to pay it off until January 2025.

Papers are signed and my first payment is due on September 1st. Should I feel bad about paying it in full on September 1st?