PIB TIP: NEGOTIATING THE DEAL. Getting a serviceable truck at the lowest payment possible is your goal when you seek a loan. Before you head to the bargaining table, know how much you want to pay for a truck, how much you can manage per month and what interest rate you want. Then negotiate with who you consider to be the top three dealers. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.