It's best to go with your own financing. I always have my finance lined up before buying a car so then I can focus on the price of the car, not the payment.
I used to work in auto finance, you wouldn't believe how easy it is to change rate, extend payment terms, all kinds of ways to get someone to pay a lot more for a car than they think they are paying. People focus too much on the payment and not enough on the actual price. People will say "I'll buy this if I can get it for $300 a month." Good job, you just gave the dealership a free reign to do anything they can to get as much as they can out of you for that payment. They will ask for more down, extend terms, anything.
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Originally Posted by JennB
