I mentioned that my wife Tracey was in an auto accident, which totaled her car out at $15,800. So needless to say, that is at least a good downpayment on a new car - we were planning on paying full by check, but that was none of their business - never et a car dealership as HOW you are planning to pay, that is NONE OF THERE BUSINESS - their ONLY CONCERN is WHETHER YOU CAN PAY OR NOT. The last thing in negotiations is how you will pay.
You financing thru them is most often done at the dealership level and it is where they make there money. New cars don't have a huge profit or bartering range -- you can mostly get added features like 3 year satalite, navagation system, or in our case a 6 cd changer in dash which plays mp3s and audiobook style and full ipod or other mp3 player in its own nice convienent drawer, with dc power adapter for cellphones and other toys.
So she got a new 2008 Subaru Outback, after owning the sportier small Impreza (which saved her life from injury during the crash - the car got totaled, but she was unhirt. Her car took a licken, smashed all the way to the window and zero internal damage.
So my point is - lol. Wouldn't you know it, the dealer pulls out a REGISTRATION/INSPECTION STICKER dated 11/11 or November 2011 is when she forst needs an inspection.
11-11 haunts some people, but it is SUPPOSEDLY a time oof enlightement and a reassurence that this person DOES have a guardian angel over their sholder. There... my little 11-11 story - ugh