My wife and I will be purchasing a new KIA soon. We have the cash to pay the difference after trade. There is a $750 incentive to finance through KIA. This wpuld reduce price another $750. Supposedly we can pay off after 90 days. Money is making 4.25% sitting in savings and finance would be 4.5% or so. There are no loan fees etc. Is there something we are missing that would be reason to not finance and pay off in 90 days?