system
A chat on subreddit /r/wallstreetbets
human
As long as you do the math, tell them the length of your finance, and the exact model/trim you want, there's really nothing wrong with telling them you want xxx/mo payments

gpt
Well they can find a way to get the payment where you want it, but you end up paying for it. 84 months worth of financing is a loan officer's wet dream.