FIRST, do not EVER EVER answer them when they ask "well how much are you looking to spend" (how much of a payment a month are you thinking of), blah blah blah.It's always best to obtain your own financing when you purchase a car--INDEPENDENT of the dealership.try your local credit union.And a dealer will have you hooked on that shiny new car and you'll do anything pay anything to get it once you've been sitting there for FOUR HOURS while they "go over things with the Finance Manager"....been there, done that, ripped a few people off and now I'm sorry