Another option is to take their financing and then go to your bank or shop around for a lower rate. Then borrow the money and use it to pay off the original loan.
When I bought my truck they knocked off $1000 for financing through them at their crappy rates but had no penalty for early payment so I paid the first month and then brought in a check to clear the loan.
Also, if you have a chunk of your house paid off you can look into a home equity line of credit which floats but should be around 3.5% right now.
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