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[quote=Anonymous]we are planning to buy a new car, probably before the end of the year. we bought a Honda accord in 2005 (which we plan to trade in), and behaved like complete newbies, got taken advantage of and so on. we would like not to repeate the same mistakes, and need help. we did a lot of homework online (cars.com edmunds) to narrow down the type of car we want, visited dealerships to see them, and are probably going to go with Honda CRV, Subaru Outback, maybe Hunday Tucson.  we are planning to trade in our car (based on edmund, the value should be between $4500 and $6500, the car has a cosmetic damage above one back wheel after the car scratched against a brick pole backing out of the parking spot, and the cluch- we have manual transmission - is showing problems, the car works ok but sometimes it feels like we have an automatic transmission), finance the rest possibly, or putting down a couple of thousands $

so far we have checked our credit score on Experian (mine 791 and DH's 815)

I know we can ask online quotes through edmunds at various dealers, but I do not know how we should proceed with establishing the price of the car, the terms of financing, and the value of the trade-in. in which order? should we first get the price for the car, and then the price for the trade-in, and then the terms of financing? a dealership could give us a great price but value our trade in very low, or give us a bad financing. if it was just the price of the car, it would be easier to shop around and compare, but with three terms, it is more difficult. one thing I know is that we should not fall for the pressure tactic these are the terms if you buy now. and frankly, I am very much ready to walk away if I do not like the terms this time.

also, so far we got the paperwork to apply to the Honda financing. last time they screwed us up, so I would like to be prepared and avoid the same fate. should we look also for other means of financing? and if so, which? ask our bank? our mortgage company (wells fargo)? I am concerned that putting out too many requests coudl affect our credit score so I would like to avoid the unnecessary ones. we are plannign to get a 5 year loan and pay it faster (last time we paid in less than 4 years) I know I sound like an idiot,. and I admit in this field I am , but at least I understand I need help . any suggestion would be really appreciated. thanks[/quote]

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