Our salesperson, Matt did provide us with all the information necessary, just found that we had to talk to someone else for the trade in amount, and then someone else for finance. I guess that's the difference buying from a dealership. The finance person MIcheal, was so busy, was not able to return our calls, I understand when you are busy, its hard to do it all. Should be able to pay a lump sum with the credit card. So far really enjoy my new wheels. Thank you!