Originally Posted by ploo
In the future, if you are considering financing, get pre-approved for a car loan for the amount you need before you go out car shopping. Then you can concentrate on getting the car that you want, for the price that you want, without letting them use financing as leverage against your negotiations.
This is true, plus the dealer usually always charges a higher interest rate than what you could get on your own. The finance office is just another profit center for the dealer. They can make more money there by financing, extended warranties, paint protection, wheel and tire insurance, than they do selling the car.