My wife and I were planning a cash transaction for the price of the 2020 minus the 2014 trade-in. However today I got an e-mail from SOA about the financing at 0% for 63 months with a deadline of 8/31/2020. It sounds good but do I still get to negotiate the price? Also we've a $500 SOA Loyalty coupon. Would we able to claim it on top of the financing offer?