IF you are going to finance....
go to a credit union or other financing source and get a decent rate locked in.
negotiate your deal on price, say "it depend's on your rate... I might pay cash" when they ask if you are financing... [they will leave the financing and warranty 'sales' until the price is locked]
when the question comes up after the price is set, get them to give you the interest rate they offer. Compare it to what you already have 'locked' and make a decision. When I bought my Jeep, I could have paid cash, I had a rate of 4% from my credit union and the dealership offered me the same 4% and I told then "no" so they then offered me 2.6% interest. I took it b/c I can make way more than that and because Jeeps don't depreciate very fast. I have an excellent credit score though, it is dependent upon that.
If you have a poor score it may not work.
"You'll Shoot Your Eye Out"
Last edited by R3dRid3r; 12-16-2013 at 08:03 AM..
Reason: cleared up a concept