r/askcarsales • u/brrent • 4h ago

US Sale Refinancing before 3 months

I recently financed an Ioniq 5 and the dealer told me I can't refi for 3 months. But now that I'm starting to get my ducks in a row for a refi I'm learning that's not true, and that I can technically refi but that salesman will lose his kickback.

I recently asked the salesman for some documents for my refi and asked what date I'm allowed to refi so he doesn't lose his kickback and he sent the docs but won't answer the question about the date.

Should I still wait the 3 months? I don't want to screw him out of a bunch of money.

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u/11I1I1 F&I Administrator 4h ago

Wth documents do you need from the dealer to refi?

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u/brrent 4h ago

Bill of sale

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u/11I1I1 F&I Administrator 4h ago

You didn't get a copy??

1

u/brrent 4h ago

I guess not. But now I have one…. Is that bad?