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[quote=Anonymous]Dealerships make money on financing -- they get a kickback. Go in and use their financing. Make sure there's no prepayment penalty. They will give  you a better deal that way.

Then a week later, see if you can get a better loan from your bank. and pay off the loan. The dealership will call and ask why you paid it off, but you don't owe them any explanation.

Also, they will try to sell you "gap insurance". As long as you put at least 20% down, there is no need for it.

And as others mentioned, skip all the extended warranty and usual nonsense. All taht can be bought from third parties for less, if you really want it.

I helped my parents buy a Toyota a few months ago, and the dealer was trying to sell them all kinds of coverage and warranties.. "What if a year from now, it rusts?" said the dealer. To which I pointed out they're trash talking their own vehicle, and there's no way it's built so poorly it's going to rust in a year from now.

Also the more luxury the vehicle, the less time they spend on trying to sell you nonsense. Probably due to higher markup, and because their customers are more financially savvy.[/quote]

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