Car Price: 22500 (guessing)
Capital One Dealer Purchase New, 60 month: 6.35%
22500-3000 rebate = 19500 financed. 380.17/month. About $3310 in interest over the life of the loan.
Dealer finance, 60 months, 4.9%
22500 - no rebate = 22500 financed. 423.57/month. About 2914 in interest over the life of the loan.
Obviously it varies depending on out the door vehicle price, and cash/trade down, but as you can see sometimes the private financing is the better choice just to get the rebate.
And one more thing, hit them hard on the price of that 06. Christmas is coming (terrible sales time for new cars), 07’s are out, that “new” truck is basically already a year old. They know every day it sits there on the lot it’s value is going down more and more.