After telling the salesmen I bought mine from that I heard via the blogs it was not true that you had to wait 3 months (he did not say 4 as some others apparently were told) before you could pay off your loan, he came clean an said that it was indeed not true, but if you refi before 3 payments the dealer (not you) get credited back for your 1K incentive. For course the finance manager said they could come after me for the incentive if I paid it off not knowing the sales guy already told me this was not the case. Shady!