When I bought my bike earlier this season, the dealer wouldn’t lower the price for me, but they were willing to give me a gift certificate (ended up about $500) for their parts/accessories department. So I got some clothes, frame sliders, a tank bag, a cover, and various other accessories for free.
Don’t assume that the financing through the dealer is the best way to go. You might be able to find a third party financing option that is better for you (like a bank or another vehicle financing company).
I definitely agree with Munch’s comment. Don’t be in a rush to buy anything. Take some time to make sure it’s the right choice. I like to sleep on decisions for at least one night. I also like to put down any hesitations that I have in writing. It helps me to list them out and make sure that I fully acknowledge them before doing something. That’s just me though.