It sounds like the OP may be gone anyway so this is falling on deaf ears. But you can actually work a better deal by allowing the dealer to finance the loan through one of their partners. If fact, the last 2 cars I purchased as well as the trailer ended up saving me some cash this way. The banks or credit unions pay the dealer a flat to get the loan - as much as $1,200 in some cases and pretty much never less than $350. The whole time you are there ONLY negotiate price and say you already have your loan lined up. Then at signing time, offer to let them process the loan through their indirect lending services if they further reduce the price $200. If you are talking to a dedicated financial guy I can almost guarantee you they will do it, as he gets a nice % of the flat.
